According to a recent survey, seniors don't like the Centers for Medicare and Medicaid Services messing with the way their Medicaid dollars and treatment are being divvied up.

In addition to the worry of comprising millions of patient health records, heavy fines are stacking up for cybersecurity breaches.

Health care reform and government-sponsored exchanges have accelerated the idea of choosing the best coverage, but actually making the best decision without professional counsel or a well-designed provider platform supported by strong broker and customer service is another thing altogether.

Professionally managed target-date funds, of course, have one goal creating a suitable glidepath to get workers to retirement. But savers might have other goals.