The 2021 Forbes Best In State Wealth Advisor Winner, Loreen Gilbert, gives us insight into the Citibank blunder, and the court decision yesterday against Citibank. She also discusses Goldman Sachs unveiling a new robo-advisor (Marcus Invest) for the average investor, and clearly explains the reasoning behind that move. And with Americans sitting on over 1.5 trillion dollars in “excess” or “forced” savings, she tackles the question “is there such a thing as saving TOO MUCH?”