Like Senator Pat Geary in The Godfather Part II, I can be a little frank, a little too frank, but I don’t blackmail mobsters or visit joints owned by Fredo Corleone. Expressing an opinion or offering advice can upset a few apple carts (I still don’t know what that means). As a plan provider, you can take my advice with a grain of salt, but there are certain clear mistakes you can avoid today and this is what this article is all about.