Retirement planning is a key pillar of the American Dream. It’s the promise of a life well-lived after a career of hard work and dedication. The dream of a comfortable and fulfilling retirement, free from financial worries. Achieving this dream often requires careful planning and proactive steps. As life expectancy increases and traditional retirement models evolve, prioritizing a quality 401(k) is a must. Unfortunately, some employers and employees often treat retirement plans as afterthoughts. But why? Many employers still offer outdated 401(k) plans that could delay an employee’s retirement, leading to workforce stagnation and even opening companies up to legal risks.