Here's a nice website I used the other day: Ask Mr. Robot
It allows you to load your character from the Armory, and then you hit an Optimize button and it tells you the best way to gem, enchant, and most importantly, reforge your gear. There's options to not use Maelstrom Crystals, etc.
I tried it out for my Retribution spec, because it was a big mess. Then I executed all the suggestions for reforging and regemming. Surprising, I could actually feel the difference when I went to do dailies in Tol Barad. Mobs were dying faster.
It managed to pretty much nail the hit cap with 8.01% hit (cap is 8.00%).
The defaults look pretty decent. They're taken from theorycraft sites like Elitist Jerks. But there's also the option to change the default stat weights to whatever you prefer.
So, Ask Mr. Robot. Very easy to use, and a very nice site to help optimize your character.