How To Choose The Right Retirement Plan? 
First consideration is whether the plan should be qualified or non-qualified . If your tax bracket is high and/or your employer matches some of your contributions , a qualified plan should be considered . If your tax bracket is low and your employment does n't offer a match then non-qualified plan should be considered . Once you establish whether the plan should be qualified or non-qualified , then funding your retirement with the proper product is next . To do this you need to establish a personal financial profile that includes a risk tolerance assessment , your financial goals and a life expectancy review . 