Ten years advising retirees and pre-retirees at a firm with more than 2,000 households, and thousands of client conversations about the same handful of decisions: when to claim, what to convert, which account to draw from first, and whether the number is really enough.

It was my dream to go to Wall Street. That was before my college internship with a financial planner when i realized how many families needed help with retirement planning. Not one of them knew where to start or who to trust. I knew i could make a larger difference with families rather than the big banks.

A fiduciary on every recommendation, and education first on every one of them, if you don't understand why we're doing something, we haven't finished explaining it.