Health care reform gets all the press. All the love. All thehate. All the controversy.

But what's been overlooked by most is that the politicians andregulators began the painful process of reforming retirement yearsbefore the Patient Protection and Affordable Care Act was even agleam in President Obama's eye. Advisors have been adapting to anew way of life for a while now, while brokers still struggle with“life after reform.”

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