Tell them what to do, and they will surprise you with their ingenuity.” A version of this article appeared in the January–February 2021 issue of Harvard Business Review.

For many employees, what to do with a 401 (k) plan at retirement has been a foregone conclusion: Roll it over. Financial advisors no doubt have reinforced that trend, with rollovers from 401 (k)s ...

A Calling Congress Madlibs script can help you accurately express your thoughts to your representatives.