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Mandacina is director of HR technology outsourcing at Lockton Benefit Group. Reach him at (816) 751-2374 or bmandacina@lockton.com.

Brad Johnson is director of solutions consulting at Centrix, a Q2 company.

The debate has spread far beyond planners and regulators, suggesting to some that public consciousness, and widespread change, might be on the rise.

Bob Veres, a Financial Planning columnist in San Diego, is publisher of Inside Information, an information service for financial advisors. Follow him on Twitter at @BobVeres.

Bob Oros is executive vice president and head of the registered investment adviser (RIA) segment for Fidelity Clearing & Custody Solutions, a unit of Fidelity Institutional.