text:  what's coming at you once you do hit retirement, you need to have a plan. Or the other person that might be an ideal candidate for elite income advisors is someone that's not being communicated with, they're halfway down the path to retirement, they're working with somebody, but again, they're frustrated. Get a second opinion, 800-653-8404. All right, one more misconception. We'll throw this at Mike. Mike, how much money, this is the misconception,