Rui Yao, University of Missouri-Columbia (IMAGE) University of Missouri-Columbia Caption Rui Yao, a retirement planning expert from the University of Missouri, says that employees hoping to make the most of their retirement plans should ask a lot of questions -- of both their own financial advisers and of their employers. Credit MU News Bureau Usage Restrictions None License Licensed content Disclaimer: AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert system.