Uncle Sam is finally acknowledging that people don’t seem to understand the fees they’re being charged on their retirement accounts.  Hear how John can help you understand what fee's you're paying and WHY and how he can possibly help eliminate some. Kiplinger says one thing all retirees need to understand is something called the “sequence of returns” risk.  That sounds complicated!  John explains what this is and how it can help or hurt you and your income plan.