>N. Scott Pritchard


For better or worse, 401(k) plans represent the future of retirement in this country. Yet the design of these plans leaves the critical investment decisions to emotion-driven, novice investors who are typically uneducated and uninterested when it comes to properly managing an investment portfolio. As a result, this “freedom of choice” be comes the “tyranny of choice,” and a vast number of American workers face an uncertain future in retirement.

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