Understanding what someone is selling in the investment world is key and then the question is, should you buy?  The two main questions when it comes to retirement is, have I saved enough money?  And is this money going to last, but understanding what you have and what you want to accomplish and where you want to go, there’s a lot of questions that they need to answer so that you can give them some realistic expectation of if they’ve saved enough and is it going to get them through the rest of their life?