text:  Retire Smart, Maryland Radio, hosted by Prashant Sabapathy and Mike Hartzell. You can find them both at Elite Income Advisors. They are headquartered in Ellicott City, but also offices in Annapolis as well. Now, folks, it's always about having a retirement plan, being ready for what is coming for all of us. I mean, our working life is going to end at one point, so how are you going to handle your retirement? Where's the income stream coming from? Have you thought about taxes? What about health care? What about long-term care?