I had an uncle that used to say, Take what you can use, and throw out the rest. So thats what Im offering you.

We face two opposing futures: One where all advisors provide fiduciary services and one where the government manages all private retirement funds. Take your pick.

To come out ahead in the retirement business today, there are 10 attributes that advisors and service providers need to demonstrate.

Eighty percent of the 10 best companies automatically enroll eligible new employees in their 401(k) plans.