My wife and I have asked our financial adviser how much money we can expect to have monthly at retirement from our savings, and have not received even a clue from him. Instead, he asks us what we’ll need or want. That’s hard for us to answer.

My wife and I have asked our financial adviser how much money we can expect to have monthly at retirement from our savings, and have not received even a clue from him. Instead, he asks us what we’ll need or want. That’s hard for us to answer. The only conclusion I reach is that it’s easier for him to figure out how to come up with the total we tell him than to figure out what we can get from …