Don't look now but a state government near you, perhaps  your own, may be thinking about getting into the retirement plan business; competing against you to offer plans to private-sector workers. 

Possibly spurred by a 2012 law in California to study creation of a state-run retirement plan focused on the private-sector, proposals were introduced this year in six states — Maine, Maryland, Illinois, Indiana, Oregon, and Connecticut — that would require employers who currently do not offer a retirement plan to adopt one run by the state government.  

While the details differ in each state, the government-run plans would either directly compete against financial professionals or cut you out of the picture altogether. 

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