In general, savings and retirement plans have been devastated by misguided policies. Stage one of any financial plan is to understand the environment we find ourselves in.
https://www.mauldineconomics.com/images/uploads/pdf/2013_09_03_2OTB.pdf

The Unbeatable Investment Management Combination
Conventional asset management isn’t just underperforming. It has structural failures that most investors have never examined. Compounding is the real engine of wealth, and optimal compounding requires proactive processes to

