Funding through the ROBS arrangement has been an option since Congress passed the Employee Retirement Income Security Act (ERISA) in 1974. This law passed the responsibility of retirement saving from the employer to the employee, meaning you have the right to invest your retirement savings as you see fit — within reasonable limitations. Though ROBS continues to gain popularity, many stock brokers and financial advisors aren’t aware of or don’t educate their clients about this option because it doesn’t provide sufficient profit for their institutions.