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Retirement Combo Plan Administrator Heritage Pension Advisors, Inc.
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ACLI Comment Letter to DOL on Examination of the Final Fiduciary Rule
American Council of Life Insurers [ACLI] 
[Opinion] Apr. 19, 2017
50 pages. "The Regulation dislocates and disrupts consumer access to retirement products and services. It has begun to create an advice gap with the abandonment by service providers of small and medium retirement account holders while, without substantiation, the [DOL] relies on computer generated asset allocation platforms (a.k.a. Robo-Advisers) as the option for small investors who lose access to financial assistance."
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