When one advisor promises 30% returns and another offers “no fees, guaranteed,” it’s no wonder retirees feel like they’re walking through a minefield. We hear it all the time - smart, hard-working retirees feeling more confused with each phone call they get. Everyone wants to pitch something. Everyone seems to have a “better” way. And everyone seems to benefit more than the retiree themselves. This week’s story comes from a listener we’ll call Thomas. He’s a thoughtful, grounded guy in his early 60s who’s done a good job saving for retirement. He’s not the type to jump into anything blindly, and in fact, when we first reached out, he almost hung up. He told us later, “I thought you were just another advisor trying to sell me something.” And honestly? We can’t blame him.