A recent study has found that 58 percent of financial advisors dont have a written business plan, and 46 percent lack a retirement plan for themselves, despite 14 percent saying they plan to retire within 14 years.

All sorts of changes are in the works including the evolving nature of fiduciary responsibility, the impact of Obamacare on retirement and the likelihood of upcoming DOL regulations.

An aide to Republican Sen. Orin Hatch postulates that such a plan would include mandatory retirement savings with an auto-elect feature.

How you can use FreeERISA.com to tap the lucrative rollover market in your area.