Even the most diligent planners can find themselves wondering: Are we missing something? That was Jennie. At 66, she was still working full-time but thinking seriously about retirement. Her husband Ron, already semi-retired, still worked here and there and handled most of the investment decisions. Their setup wasn’t in crisis. They weren’t in denial. They were, by all accounts, thoughtful people trying to make smart decisions. But, something just wasn’t sitting right...