Do you know when/if you’ll retire? Where you’ll live? What you’ll need? Of couples in midlife, nearly half haven’t even started having that conversation, according to a new study, Fortune.com talked to Kathleen Murphy, of Fidelity Investments, about that study and what that conversation could ultimately look like. (After you watch the video, you might want to check in with WVFC’s own retirement-planning guru. Jacqueline Darien.)