I’ll never understand it, but James Foxworthy built his career as a comedian based on his shtick (probably the first time that Jeff Foxworthy and shtick were in the same sentence), “You might be a redneck, if”. His stand up act launched albums, books, a couple of sitcoms, and a career as a game show host. Plan sponsors have their own shtick, but it’s not likely to launch any acting careers, it’s more likely to cause a lot of headaches. So this article won’t tell you if you might be a redneck, but will tell you tell when you retirement plan may have some serious problems.