 Part of it. I mean, if you're halfway down the path and you're not being communicated with, if you have some concerns and you're not getting answers, get a second opinion. 800-653-8404. Final scenario. 54. My wife is 64. We have $4 million net worth. I am not working. Wanting to make sure we cover all our bases. And basically, will that come back to bite us in retirement? And is that enough?