"[B]roker-dealers and their advisors must initially consider all of the account types reasonably available for a retail customer and must ... recommend the account type that is in the best interest of the investor. A clear example is the recommendation of a rollover.... [An] advisor (and the broker-dealer) must consider leaving the money in the plan, rolling to an IRA, and other alternatives available to the participant ... [and] make a recommendation that is in the best interest of the participant. [The author expects] that, in due course, the SEC or FINRA will conduct examinations on that issue."