Despite all the attention devoted to the Labor Department’s proposal for tougher standards for financial professionals paid for retirement advice, I think they are doing a disservice to Americans by taking a “glass half-empty” approach. Regulators shouldn’t only be focusing on one side of the equation.

The real danger is the potential for individual investors to stop short of seeking desperately needed financial advice, especially when there are many benefits to be gained from enlisting educated, ethically centered advisors – not the least of which is long-term financial security.

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