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    David RacichPRO
    Fountain Hills, Arizona
    The first thing you should determine is your effective tax bracket. If your tax bracket is high you may want to consider a qualified plan like a 401(k), especially if your employer offers a contribution match. But if your effective tax bracket is small and you have no employer sponsored plan, then a non qualified retirement alternative that uses life insurance or annuities should be a consideration. 

    Answered on June 22, 2013
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