Retirement plan industry veteran Phil Chiricotti, known throughout the business as the sponsor of the annual CFDD Adviser Conference, is a real powder keg.

He's our industry's version of Howard Cosell. While some might consider his rhetoric inflammatory, I view it as refreshingly honest.

A lot of people think like Phil, but few have the guts to actually say it. Phil has the guts. If you want to see for yourself, do not pass go, head directly to the in-depth interview he had with ("Exclusive Interview (Part I): Phil Chiricotti to Retirement Industry: Outsource Fiduciary and combine with HSA or Die!" August 19, 2014).

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