Maybe 10 percent of plans are great. The problem is it gets expensive. Every time a plan adds something, the plan has to pay for it.
By now, most stocks have rebounded. It's time to get rid of those shares you lost on -- you think they could rebound, but some things are just not going to bounce back.
Nobody wants to be a scrooge, but at the same time if we are not, we are going to be far worse off.