It’s a common trope within the science fiction genre. You can picture it. A barren wasteland of depleted resources, depleted will, depleted humanity. Set in shades of dark gray and darker gray, you can sense the dystopian hopelessness.  

This isn’t a scene from the latest Matthew McConaughey blockbuster. It’s the vision of fiduciary guru Don Trone has of the future of America’s retirement plans. As he states in a recent interview (see, “Exclusive Interview: Don Trone Reveals 401(k) Plan Sponsors Want This Instead of a Fiduciary,”, November 18, 2014), “I’m afraid it’s going to look like the retirement version of Obamacare – it will be a government-run, mandatory plan similar in design to the Federal Retirement Thrift.” 

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