Over the last 50 years, there's been a noticeable shift in the way employer-sponsored retirement plans work. While a few decades ago, plans relied heavily on employer-provided investments, more recently employees have been given the opportunity to take charge of their own retirements. 

This has been a blessing and a curse. Though employees have the opportunity to invest and earn their own money for retirement, creating their own nest eggs and deciding for themselves just how much they want to put away, they also must rely on their own knowledge of investment strategies to get by. And for many participants, that can be a great detriment to their retirement savings.

A need for education

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