An investor reading the news this morning was likely dismayed to find reports like this from Reuters: “Wall Street fell sharply on Thursday, with the S&P 500 and the Dow Industrials suffering their worst daily percentage drops in about six weeks.”

You might not have noticed the seismic shift in your world last week, but something big happened that could make the last 40 years or so of your life a lot less stressful. After years of battling, arguing, and dithering, a new law went into effect that prohibits your financial advisor from trying to sell you on all sorts of expensive nonsense in your retirement account.