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you write in part: any of your companies provide advice about how to invest your 401(k)? What is in place to ensure that retirement needs are met?

Comment: at this time, companies are not allowed to counsel their employees on what vehicles to choose for retirement. The reason is that it creates a liability to the company or plan administrator if a suggeted choice turns out not to do well. Congress has some posssible legislation that will hopefully change that.

good points,
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