How Can I Get A Retirement Plan? 
You need to determine your tax bracket , your risk tolerance , your contributions , how long will you work and what is your life expectancy ? This will help you in your selection between a qualified or non-qualified plan . It will also assist you in the product selection based on your time horizon and risk thresholds . If you 're an individual you may consider an IRA or a Roth IRA . If your employer sponsors a defined contribution qualified plan like a 402 -LRB- k -RRB- , you may want to participate . 