 Brian Bacca is an investment advisor representative of and advisory services offered through Royal Fund Management, LLC, an SEC-registered investment advisor. For most people planning for retirement, their number one fear is living too long and running out of money long before they run out of life. Imagine if you were on a vacation driving through the desert. You're enjoying the desert scenery and letting your mind wander as you admire the vast terrain and all of the beautiful natural landscape. All of a sudden, you see a sign that says, next gas, 100 miles.