For whatever reason, advisors and plan sponsors seem to take the Fifth when it comes to exposing their thoughts in public. Our retirement topics are popular with benefits professionals, but plan experts choose to stay mum in our comments section.

But you're not a silent class of professionals. I get reader emails every week full of everything from best practice questions to regulation opinions to helpful suggestions on my writing.

And though I might not respond right away to every query or criticism, this is my humble request from you: Tell me what you think – whether it's out in the open or disclosed via email – about the most pressing issues ahead this year, and subsequently, what you're doing about it.