A (not so) ridiculous analogy to bring reality into focus.

Aaron Schumm's Vestwell is growing quickly, fueling Morgan Stanley's workplace ambitions and landing Connecticut's state auto-IRA.

While fiduciaries do not have to avoid ESG-related investments, they do need to put them through the same prudent, thorough and well-documented process that they use to consider all plan investments.

Spoiler: lack of education and/or business savvy isn't among them.

Principal will continue selling variable annuities and invest in growth areas such as global asset management and retirement businesses in the U.S. and select emerging markets.

Plan advisors can benefit from the increased attention on retirement income.

Many pension-saver clients are abandoning the formula -- particularly the 40% bond component.

While not an overly complicated benefit, initially signing up for Medicare can be an overwhelming and anxiety-inducing process.