Dear Adviser:

My client has three 401(k)s sitting at previous employers but doesn’t want to roll them over into an IRA. He seems to think having different managers keeps them honest. I’ve talked to him about consolidating, but it comes off like a hard sell. I really just want what’s best for his retirement. How do I communicate that clearly and effectively?

David in Ohio

<blockquote data-share-hover=”true” data-share-modprefix=”mw_pullquote_” data-share-text=”High fees can eat …
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