In a special reprise edition of the Lifetime Income Series, Jim and John talk about the importance of a retirement plan from the perspective of choosing a financial planner or investment advisor. They begin by discussing what you need to know and what you need to ask in choosing a professional to help you. They discuss the differences of working with an individual or a team of professionals. They also discuss the major investment issues today, including how retirees are reaching for yield and how many have lost money in bond funds in recent months. The guest this week is Peter Gravett, Secretary of the California Department of Veteran’s Affairs. Peter and Jim discuss what is available for veterans in terms of medical care, home care, schooling, insurance and other areas.