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Photo: AP

File this one under “Teaching a man to fish vs. giving man a fish.” We’ve all read plenty of stories about the need to improve financial literacy. Indeed, the lack of financial literacy has been fingered as one of the primary culprits behind savings and investing woes.

We’ve also seen, especially since the White House and the DOL began a highly public crusade for a  new fiduciary rule, a multitude of stories about the damage to retirement savers wrought by conflicts-of-interest. The president himself, as well as many much more qualified to say so, have said how these currently legal self-dealing transactions have cost billions in retirement savings every year.

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