President Barack Obama and Health and Human Services Secretary Kathleen Sebelius met Thursday with members of the National Association of Insurance Commissioners (NAIC)

As this new reality threatens us all like some kind of federally-funded bogeyman, I'm reminded of Malcolm X, who said, "The future belongs to those who prepare for it today."

Vice President Joe Biden introduced last week two new rules, which aim to enhance retirement security and transparency for workers covered by 401(k), pension and other retirement arrangements.