C■ By Jon Coupal / Contributed alifornia’s planned “Secure Choice” program, if implemented, would violate federal law. So why are we needlessly spending public tax dollars on its startup costs? The concept of the program seems harmless enough: A voluntary program — at least for now — that would enroll private-sector employees who currently don’t have a retirement plan into a state-run retirement savings account. But as with any government program, the first question is why is this program even needed? Private-sector employees pay into the Social Security system and, upon reaching retirement age, draw benefits from it. While some have argued that Social Security benefits are inadequate, the program is

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