I’ve had an eye-opening week dealing with people’s misconceptions about retirement planning. In three situations I heard a potentially useful retirement technique attacked or dismissed. First, a reporter wanted to talk to me because she had heard so many bad things about annuities.

Next, when discussing a friend’s concerns with his elderly mother’s finances, I asked if he had considered a reverse mortgage. He gave me the raised-eyebrow look and asked, “is that all you have?” Finally, at a legal conference, an acquaintance criticized a fellow attorney, saying “he’s the kind of lawyer who hawks living trusts.” Three viable planning ideas rejected.

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