I've talked to 3 different ones. Same old speech, they take what I can "expect" to get from SS at 65, subtract it from my current monthly income(gross) and take the difference, and tell me to save X percent in a 401k or stock market. I throw out the SS number and then do the math from there. Plus, I do not figure in any company matches, which my company matches dollar per dollar up to 10% with 100% vested day 1 on employment.
