If you sit idly by as the participants in your 401k plan consistently fail to achieve any semblance of retirement security, you will be challenged, regardless of how many highly compensated advisers you have consulted in connection with your process.

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Make the wrong moves or fail to plan and you might pay tens of thousands of dollars too much in income taxes.

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Instead, you need to plan for alternatives should these components or services fail, using both using redundancy within the main cloud provider, and, when possible, fallbacks to alternate service providers.

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You can reasonably argue that given a bunch of factors, the plan was always doomed to fail.

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