When I was younger, my parents rarely took me to the doctor when I was sick. My parents practiced medicine in a sense, checking my temperature and only taking me to the pediatrician when they thought something was serious like when I suffered an asthma attack at 5 or when I had tonsillitis. As a parent today, I take my children to the doctor anytime they are ill because I’m not a doctor nor do I play one on TV. While I usually know when my children are seriously ill or not, I would rather place my children’s health into the hands of the people that actually graduated from medical school. Let the professionals with the background to make those important decisions to make those decisions. That is why I’m still surprised how many retirement plan sponsors implement and operate a retirement plan without using an independent ERISA attorney.