Tax Guy: No 401(k) at work? Here are other tax-smart ways to save

There’s more to planning for your retirement than just settling for whatever your employer has to offer. After all, your company’s plan may not be robust enough to support you as you’d like in retirement. Or maybe your employer doesn’t offer a plan at all.

No matter what, your retirement is your responsibility, and if your company plan is insufficient or nonexistent, you’ve got to find a way to make up for it. Happily, you can solve the problem by turning to the other tax-advantaged investment options: individual retirement accounts (IRAs), SEP-IRAs or Keoghs (for the self-employed) or, in some situations, variable annuities.

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