Many people picture a scam as something obviously off: a strange email, a robotic voice, a too-good-to-be-true offer.

The more dangerous version sounds like

It's easy to set estate planning aside once you've done a version of it. You sign the paperwork. You name a beneficiary. You mentally close the file.

The only

You can do everything right on paper — save diligently, spend reasonably, stay invested for the long haul — and still land in a very different retirement than