[KarlInOhio]

My current job has the best retirement plan yet: "Here's your account at Charles Schwab. When you put money into the retirement, it goes into that account. Invest it how you like."

No screwing around with insurance brokers pretending to be investment advisors. No semi-annual reports. No fighting to get the idiots at the investment company to offer a low-load S&P 500 fund instead of their high load "growth" fund.

[gcruse]

No screwing around with insurance brokers pretending to be investment advisors.

Right.  And these same risk-averse self-advised investors load up with tax free municipal bonds, paying a premium for the tax-free part, then putting the bonds in their fund which, when drawn down, would be tax-free anyway.  You see it every day.