SAN ANTONIO, Texas – The Dow was down 987.67 points over the past four weeks last I checked mid-afternoon Thursday.

That happens. Markets rise and fall. We know that. But do we need a better argument against tighter rules regarding self-directed brokerage accounts in 401(k)s than that?

I don't think so, and some of the retirement pros on stage at the Center for Due Diligence conference here sounded as if even they might agree – at least to a point.

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