If a template represents an ideal meant to induce consistency and efficiency, why did the DOL leave this vital tool out of their 2012 rule?

Its a constant tug-of-war between the best interests of retirement savers and the best interests of the retirement industry. And those quotes arent just for good looks.

Some goals have the benefit of being placed on auto-pilot -- like saving for retirement.

The states leading the way in offering state-sponsored retirement plans for private employees are the ones who have mismanaged their public employee retirement plans.

Pensions were never all they were cracked up to be and theyre a lot worse now.

You can lead someone in their twenties to the idea of saving for retirement, but you cant make them save.

Irony of ironies: Is it possible repealing the DOLs fiduciary rule could benefit fiduciary proponents?

While noble in intent, theres on aspect of the DOLs fiduciary rule that might hurt retirement savers best interests.