The fear is not unfounded; Americans are too often victims of Wall Street middlemen each taking a stealth toll as they move money to the next stop on a long investment chain.
First, consider just how far the financial playing field is tilted in favor of the financial industry as compared to the typical saver.
A typical American saver will wind up on retirement with a considerably smaller nest egg than he or she should.
As author and fellow Red Sox fan Bobby Monks has written, it s as if the New York Yankees paid the salaries of all the refs in Major League Baseball.
The first question it asks is: Have you ever wondered whether the money you spend ends up funding causes you oppose?
It could compare pension or 401 k plans, providing you with a picture of how accountable each is, how fees compare, and how well or poorly they align with what you believe.