The answer is, overwhelmingly, insurance companies peddling high-cost, tax-deferred variable annuities with crappy proprietary mutual fund options and high-risk fixed accounts.
Work that cannot be done one year because the money has run out is being deferred to the next, stretching the project out and ultimately making it cost more.
The reduction in marginal tax rates is excellent for Silicon Valley, the dividend tax proposal will lower the cost of capital (even for startups) and the new tax-deferred savings vehicles will increase investment.