At many workplaces, employees meet once a year with the company's designated financial planner. During the meeting, you review the performance of your 401(k), make decisions about allocation, and exit feeling relieved that you won't have to go back for another year. But a recent study (link opens PDF) by Quinn Curtis of the University of Virginia and Ian Ayres of Yale University shows how two simple mistakes we make during these meetings can sabotage the entire retirement planning process.