important concerns uncomfortable with the stock market's volatility? having trouble finding a safe return above 1%? frustrated that you have 'max'ed out" your 401k, SEP or IRA contributions, but have more to pack away? concerned about having to take required minimum distributions and paying tax on them? used after-tax money to invest in an annuity, only to pay ordinary tax again when you take distributions? wonder what tax bracket you will be in when retired?
