Late January 2015, President Obama called upon the Department of Labor to protect middle and working class families from bad retirement advice. According to a White House press release, backdoor payments, hidden fees, excess trading induction and conflicts of interest result in estimated losses to American families of $17 billion in retirement assets every year.

According to the Department of Labor, 40 Million Americans are responsible for $7 Trillion in IRAs today. While 40 years ago most retirements were held in company pensions, today individuals are responsible for navigating a challenging economic climate and for steering their own ship through financial crises and smooth-talking salesmen toward the promised land of retirement.

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