 Have you ever tried to get clear, definitive advice from your broker, 401k provider, or financial planner regarding guarantees for a successful, safe retirement? It's not as easy as it sounds, is it? It's like trying to navigate a maze with no clear path. Here's the thing, my friend. In the financial world, they often prioritize their calls and attention based off of the amount of money you have with them. It's like you're categorized into different tiers.