 From Coach Pete's Money Desk, America's wealth coach and best-selling author, Coach Pete Deruta. Coach, you and the team deal with a lot of retirement plans, and I'm sure some people come in with a fancy, all-glossy book they've gotten from someone else, but the person you're meeting with is still uncomfortable. Well, the package looks good, though. When you open the package, there's nothing in there but fluff many times, or it's something they could have got without having to pay, let's say, a $10,000 planning fee or whatever. I mean, people pay for things they shouldn't pay for a lot of times, but you assume if you're paying that kind of money that you're getting something that's better than what you would get if you didn't pay.