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5 Ways to Improve the President's Retirement Initiative

A few tweaks to President Obama's proposals could improve retirement readiness for a lot of investors.

In a 1932 Supreme Court dissent, Justice Louis Brandeis referred to states as laboratories of democracy that could "try novel social and economic experiments without risk to the rest of the country."

Perhaps with Brandeis in mind, President Barack Obama, a former constitutional law professor, has endorsed state-level experimentation as a way to help solve the American retirement crisis. Obama's budget, released earlier this week, contained a proposal to help workers who lack access to employer-sponsored retirement plans. More specifically, for employers who do not provide a qualified retirement plan, Obama wants states to experiment with mandating employee auto enrollment in Roth IRA accounts. The Obama proposal is a great start, but there are a few ways to make it better.

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