text:  Working with a fiduciary, if you're sitting down and you're mapping out what is going to be your retirement, that retire smart roadmap we talk about, there are going to be less chances for having these misconceptions about your retirement because it's going to be discussed. It's going to be planned for. You're going to talk these things out, but we're going over the misconceptions so you're aware of them. All right, this one is to both of you, and this is misconception number four.