One congressman wants to hear from people in the retirement-planning trenches. What are the important issues? We'd start with these 3.

As John Wayne said about life, so it is with investing: It's hard; it's harder if you're stupid--that is, inexpert. Which is why an advisor needs to say no sometimes.

401(k) plan participant issues come in these 3 varietiesand a winning service provider helps the sponsor solve them.