My younger daughter just graduated college and my wife and I decided it’s time to sell the house. What a project that has turned into. Eighteen years of accumulated clutter. Lots to clean up. If I had more discipline, I’d be able to identify what is junk ahead of time and not let it accumulate. It occurred to me that this story is a lot like retirement plans.

A plan might choose a particular strategy, service provider, investment contract, benefit or feature and move forward with it. Two things then happen as time elapses:

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