What Kind Of Retirement Plan Should I Get? 
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 -LRB- k -RRB- , 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 . 