I would imagine that the reason many companies are reluctant to do this (or at least don't advertise it) is because advising employees whether they should or sh

I would imagine that the reason many companies are reluctant to do this (or at least don't advertise it) is because advising employees whether they should or should not do it amounts to giving financial planning advice. Asking hard enough probably means showing you have weighed your own financial situation and understand the risks.