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It’s time to move to the next step in the 401(k)’s evolution. (Photo: Getty)

Why do people who know better attack the 401(k)? Strike that. It’s OK to question aspects of the 401(k) concept – after all, nothing is perfect – but to demonize a vehicle that has helped so many people? What’s up with that?

And to suggest a return to the retirement plan Stone Age? That’s just crying out that you’ve got an agenda that, no matter how you try to convince yourself, simply isn’t in the best interests of retirement savers.

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