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Relationship Manager for Defined Benefit/Cash Balance Plans Daybright Financial
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Compass
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Cash Balance/ Defined Benefit Plan Administrator Steidle Pension Solutions, LLC
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Retirement Relationship Manager MAP Retirement
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How 401(k) Plans Have Fueled Inequality in America
Bloomberg Businessweek 
Nov. 3, 2014
"A 401(k) world means more Americans own stock. In some ways that's a positive trend, because it means more own a piece of the country's rising wealth. But the danger is since wages haven't increased and many lack other sources of savings, Americans turn to their 401(k)s when times get hard, which incurs both immediate penalties and long-term consequences. A tried-and-true rule of investing is to never invest your emergency fund in risky assets; when people turned their 401(k)s into emergency savings, they got hammered by the market."
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