You have worked, saved and sacrificed for the future. Do you think you have it all figured out... your retirement years? Before you answer that question, read through these 12 firsthand stories involving real people and real situations. Rob Neff, a financial advisor, focuses on "common" and "not-so-common" pitfalls that have happened to others and might just happen to you. As you read through each story you are presented with specific issues and lessons to be learned. These lessons are presented as talking points for dialogue you can have with your financial advisor, tax professional and estate planner. A quick read packed with financial food for thought.