Well, you already are ahead of a lot of people. You realize you need to save for retirement. Depending what your income situation is the best route is either Roth 401k, 401k, or Roth IRA. The main difference between them is with the 401k you may put in up to $15k per year pre-tax or a Roth you can put in up to $4k after tax. These limits go up over time. Essentially what you need to figure out, is can you afford saving money after tax, if not then go with the pre-tax route. If you can and you don't get a match on your 401k then probably go with an IRA. Most financial institutions have Roth IRA's available. I would meet with some people inside of the Bank you deal with to learn more. I myself am 27 yrs old, I have been putting money into my 401k since i was 21, I currently have $100k, so believed me i know what i'm talking about. The most important thing in saving for retirement is time. Which at 35 your still o.k. but you need to start saving now. FYI, I save in a 401k because my company matches 25% up to 6% contribution. Also i need a tax deduction, plus i personally would rather have untaxed money grow and work for me instead of giving it to the government. Now lots of people say Roth IRA is the best route, keep in mind you can only put $4k a year in, upside is you do have access to the money you contribute in a Roth IRA which is nice cause it can double as an emergency fund. However, I would suggest this. Max out a Roth IRA and contribute as much as you fiscally can to your 401k. That way you get the best of both worlds. At 35 you are already behind the curve, so you need to catch up as soon as you can. You only have 25 - 30 years to retirement. Check out some financial institutions, see what they have to say. And go from there. Just get started ASAP.
One other note, you may want to search for a retirement calculator and see just how much you have to save per year in order to reach your goal. Any good financial planner will go over that. You'll be suprised how fast the number goes up the longer you wait and closer you get to retirement.