text: Well said.  I posted myself below on another aspect of this piece.  The entire piece is extremely poorly written and researched.  As you say, it does serious damage.  Readers, stay far away from these puff pieces which are at best horribly incomplete.   Get serious input from a CPA or fee-only/per hour planner, if you need it.  The best course is to take full control, educate yourself, and go deep.  This is your money and your financial well being at stake.  You have to own it or get someone that has a fiduciary or personal responsibility (to you) to help you own it.