 You need to save a certain amount of money for retirement. Fact. You probably used a financial advisor to help get you there. Fact. And you'll use that same advisor that got you to retirement in retirement. Not so fast. Joe Pat Rupp and the team at Belmont Capital Advisors realize that you have probably done a great job saving throughout your working years. However, your confidence going into retirement shouldn't rely on your current account balance. It should be based on how much monthly income you can generate from that number.