The answer is, overwhelmingly, insurance companies peddling high-cost, tax-deferred variable annuities with crappy proprietary mutual fund options and high-risk fixed accounts.

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Even the IRS Commissioner pleaded with Congressional leaders that it had to be fixed asap or risk major upheaval for 21 million more taxpayers.

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For decades, US government bonds were the gold standard for long-term, risk free fixed income investors.

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