About once every two weeks or so, on average, my wife will receive a mailer inviting her to a free steak dinner – apparently vegetarians aren’t good prospects – that promises to reveal the secret of not running out of money in her golden years. I used to receive the same ones when I worked at UK, so I assume that’s the list she’s on. As I scan the invitations I often skim to the bottom of the page where the fine print explains these firms don’t really offer investment, estate or tax advice. What do they sell? Insurance contracts called annuities. They imply they’re offering educational retirement planning workshops, but their real intent is to sell expensive annuities and life insurance policies.