Don't wait till it is too late. Retirement financial advisors should consider these major topics in their relationship building approach for clients. These are some “pain points” that a retiree might face. Running out of money before I die Unforeseen tax obligations Afford to age in place in their home (also senior living community) Fear of end of life in a nursing home Giving up a regular income Leaving money for my family “The average 65-year-old today will live another 20