 From Coach Pete's Money Desk, America's wealth coach and best-selling author, Coach Pete Deruta. Coach, you really ring the bells when you talk about that retirement lifetime income. Financial fill-up strategy. That is a check every single year. And we do that in a non-threatening, no-cost manner. I mean, a lot of planners charge $10,000 just to come in their door, and then they'll put a nice plan together for you. Then they'll give you a three-ring binder, and you'll probably never open that thing up.