I graduated from Superior Senior High School in Superior, Wisconsin. Growing up in the country -- from raising chickens and mink, to bailing hay -- was a great experience. It was certainly nowhere near what kids do for fun these days. The three buildings of concern were a house under 500 square feet, a chicken coop and the outhouse. Two out of the three were always full!My father and brothers worked on the Great Lakes. In fact, I have one brother that took the Edmund Fitzgerald out of the Twin Ports Harbor. After my father retired, it wasn’t long before tragedy struck and he passed away. More trouble came upon realizing that he had chosen the wrong retirement options, so my mother got nothing from his pension -- just Social Security.So, in 1987, getting into this business was an easy choice. I know there are a lot of stories out there like my mother’s, and some are worse. The main obstacle I see for clients is education: when to choose, what to choose and how to choose. These are very hard decisions to make, and you only get one chance to retire. How do you make the right choice?Series 7, 63 & 65 RegistrationsSecurities and investment advisory services offered through Woodbury Financial Services, Inc. (WFS) member FINRA/SIPC. WFS. is separately owned and other entities and/or marketing names, products or services referenced here are independent of WFS.