Most people spend decades building a retirement account, but very few spend time thinking about how they'll actually live on it. Sometimes the most important retirement conversation starts with one simple question: "Cool...you've got money. Now what?"

Most people were told $1 million was the retirement finish line. But that number doesn’t mean what it used to. The real issue isn’t just how much you save. It’s whether your money is structured to actually work when you need it.