What Retirement Plan To Choose? 
When considering a retirement plan , you want to first determine your effective tax bracket to see if a qualified defined -LRB- pretax -RRB- contribution plan generates enough tax savings to make the restrictions of the plan worth doing or going the way of a non-qualified plan.You also need to determine if your employer sponsors a plan or whether you should use an individual plan . You should also establish your risk tolerance and time table to retirement , so you can select suitable products to fund your plan . 