E*TRADE hosted a "Retirement Education Day" last week. April 9 is the start of National Retirement Planning Week. What both of these Hallmark holidays have in common is retirement education, which is probably one of the toughest initiatives a retirement advisor can get behind: it's a lot of work and everyone's just there for the free donuts.

But let's assume for the moment that education is the key to participation. The more people who participate in a plan, the more money ends up in the plan… so more money that ends up in your pocket… so you can spend Retirement Planning Week in a bathing rather than business suit.

But where can education provide the biggest oomph?

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