How can we expect individual DC owners to view themselves as investors when the vast majority of the people who "advise" them are not investors? What percent of the 400k odd "financial advisors" out there are professional investors? Aren't most of them professional salespeople? And without an interest in practicing Fiduciary Responsibility, are these "financial service professionals" who follow the Suitability Rule really interested in "educating investors?" What % have a "vested interest in a better-informed client base" when their compensation is tied to sales commissions?