Naked Truth Investing: A $500 billion rip-off you must avoid!

This is the part of a new series of columns called "The Naked Truth," by retirement expert Dan Solin. Please bring him your questions, in the comments box, and he will answer as many as he can.

What is the biggest threat to your retirement savings?

You may be surprised to learn that it is the securities industry. Specifically, your "investment professional" to whom millions of investors entrust their retirement nest eggs.