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I'm only getting an answering machine <a href=" http://www.appropriatesolutions.co.uk/college-essay-best#hungry ">online college essay</a> When ERISA was created, there were really no 401(k)s or other defined contribution retirement plans. Workplace retirement benefits were conferred upon employees in the form of defined benefit pensions. ERISA did address the conditions under which an adviser was considered a fiduciary, but its five-part test defines relatively few advisers as fiduciaries. That was not considered a problem because employees had no role in how defined benefit monies were invested.
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