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You didn't build your business by letting someone else make the big decisions, so why should your retirement plan be any different? For many entrepreneurs and A-players, the passive, set-it-and-forget-it approach to saving simply doesn't align with how you operate. You need financial tools that put you in the driver's seat, giving you the ability to be intentional with your capital. Relying solely on a traditional, employer-tied account can feel restrictive when you need to be agile. The good news is, you have options. By exploring alternative retirement plans, you can create a strategy that offers more control, greater flexibility, and aligns with your goal of building a life by design, not by default.
When you hear "retirement plan," your mind probably jumps straight to a 401(k). For many people, that’s the beginning and end of the conversation. But what if you’re a business owner, a high-income earner, or someone whose employer doesn’t offer a traditional plan? Relying solely on a 401(k), or having no plan at all, can leave you feeling like your financial future is out of your hands. This is where alternative retirement plans come into play. They are powerful tools for building wealth outside the typical employer-sponsored framework.
Technically, an Alternative Retirement Plan (ARP) is a specific type of defined contribution plan offered by some institutions, like universities, to their full-time employees. In these plans, your retirement benefit is based on the total account balance from contributions and investment performance. For our purposes, however, we're going to think bigger. We'll use "alternative retirement plan" to describe any strategy you use to save for retirement beyond a standard 401(k). This includes options like SEP IRAs, Solo 401(k)s, and even specially designed life insurance policies. Understanding these options is the first step toward building a financial future with more intention and control, putting you back in the driver's seat.
The biggest difference between alternative plans and traditional 401(k)s often comes down to flexibility and control. A 401(k) is tied to your employer and typically comes with a limited menu of investment choices selected by the plan administrator. Alternative plans, on the other hand, can offer you much more freedom. Plans designed for the self-employed, for instance, allow you to decide how much to contribute (within IRS limits) and where to invest the money. This spirit of flexibility is what truly defines these strategies. They put you in charge, allowing you to tailor your approach to your specific income, business structure, and long-term goals.
While the formal definition of an ARP often applies to full-time employees at specific public universities or state systems, the world of alternative retirement strategies is open to almost everyone. If you're an entrepreneur, freelancer, or small business owner, you have several powerful options available that are designed just for you. Even if you have a 401(k) at work, you might be a great candidate for an alternative plan if you're a high earner looking to save more than the 401(k) contribution limits allow. The key is that you don't have to be locked into a one-size-fits-all approach. The right plan for you depends on your employment status, your income, and what you want your money to do for you.
A few common misconceptions keep people from exploring these powerful retirement tools. One myth is that your money is locked up for years before it's truly yours. In reality, many alternative plans offer 100% vesting from day one. This means any money contributed to the account, whether by you or your business, belongs to you immediately. Another myth is that these plans aren't portable. People worry that if they change jobs or close their business, their money gets stuck. The truth is, most of these accounts are designed for portability. If your situation changes, you can typically transfer the funds into a new employer's plan or another retirement account without losing your savings.
Alternative retirement plans aren't just for a select few. They are powerful tools for anyone whose financial life doesn't fit neatly into the traditional 9-to-5, employer-sponsored box. If you're a business owner, a high-income professional, or someone without access to a workplace 401(k), these strategies can provide the flexibility and control you need to build wealth on your own terms. Think of them as a way to create a retirement strategy that’s as unique as your career path. Let's look at a few specific situations where an alternative plan makes a lot of sense.
When you're running your own business, you are the engine of your retirement savings. Unlike a traditional employee, you don't have an HR department setting up a 401(k) for you. This puts you in the driver's seat, and thankfully, you have some excellent options. Plans like a SEP IRA or a Solo 401(k) are designed specifically for entrepreneurs and the self-employed. The U.S. Small Business Administration highlights that these retirement plans for small businesses allow for much higher contribution limits than a standard IRA. This means you can put away more money for your future while often reducing your current taxable income, a win-win for any business owner.
If you're consistently hitting the maximum contribution limit on your 401(k), congratulations, that's a fantastic milestone. But your savings journey doesn't have to stop there. For high earners, this is the perfect time to explore alternative strategies to keep your momentum going. According to Fidelity, after maxing out your 401(k), you can turn to other accounts to continue building wealth efficiently. Options like a Backdoor Roth IRA can help you get money into a Roth account despite income limitations, while a Health Savings Account (HSA) offers a triple tax advantage: tax-deductible contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses.
If your employer doesn't offer a retirement plan, don't worry, you are not at a disadvantage. In fact, you have the freedom to choose a plan that aligns perfectly with your personal financial goals without being tied to a specific company's offerings. The National Endowment for Financial Education emphasizes that individuals can take control of their future through retirement planning even without an employer plan. You can easily open a traditional IRA for a potential upfront tax deduction or a Roth IRA for tax-free withdrawals in retirement. These accounts are straightforward to set up and give you the power to start building your nest egg immediately.
When your financial life doesn't fit into a neat little box, a standard 401(k) might not be enough. For entrepreneurs, investors, and high-income professionals, building a robust retirement strategy often means looking beyond traditional, employer-sponsored plans. Alternative retirement plans offer greater flexibility, higher contribution limits, and unique tax advantages that can be tailored to your specific situation. Think of these not as replacements, but as powerful additions to your overall wealth strategy. The key is to understand which tools are available and how they can work for you, whether you're self-employed, running a small business, or simply looking for more ways to grow your wealth efficiently. Let's walk through some of the most effective options available.
If you're self-employed or a small business owner, a Simplified Employee Pension (SEP) IRA is a straightforward and powerful retirement savings tool. It allows you to make significant, tax-deductible contributions for yourself and your employees. For 2023, you can contribute up to 25% of your compensation, with a maximum of $66,000. This makes it an excellent choice for those with fluctuating or high incomes who want to save aggressively. The money in a SEP IRA grows tax-deferred, meaning you won't pay taxes on it until you begin taking withdrawals in retirement. Setting one up is relatively simple, and the administrative burden is low, which is a huge plus when you're busy running a business.
A Solo 401(k) is designed specifically for self-employed individuals with no employees, other than a spouse. What makes this plan so attractive is its high contribution limit and flexibility. You can contribute as both the "employee" and the "employer." As the employee, you can contribute up to 100% of your compensation up to the annual limit. As the employer, you can contribute an additional percentage of your net self-employment income. For 2023, the total contributions to a Solo 401(k) plan can reach up to $66,000, or $73,500 if you're age 50 or older. This dual contribution structure allows you to put away a substantial amount for retirement, making it a favorite among successful solopreneurs and consultants.
For small businesses with 100 or fewer employees, a Savings Incentive Match Plan for Employees (SIMPLE) IRA offers an accessible way to provide a retirement benefit. It functions as a sort of starter 401(k), allowing both employees and the employer to make contributions. For 2023, employees can contribute up to $15,500, with an additional $3,500 catch-up contribution if they are age 50 or over. As an employer, you are required to make contributions, either by matching employee contributions up to 3% of their salary or by contributing a flat 2% for all eligible employees. A SIMPLE IRA is easier and less expensive to manage than a traditional 401(k), making it a great option for business owners who want to attract and retain talent.
A Roth IRA is a fantastic tool for tax diversification in retirement. Unlike traditional IRAs where you get a tax deduction now, you contribute to a Roth with after-tax dollars. The magic happens later: your money grows completely tax-free, and all qualified withdrawals you take in retirement are also tax-free. This can be incredibly valuable, especially if you expect to be in a higher tax bracket in the future. For 2023, you can contribute up to $6,500, or $7,500 if you're 50 or older. However, there are income limitations to contributing directly to a Roth IRA. If your income is too high, you may still be able to fund one through a "backdoor" Roth conversion, which is a strategy worth exploring with your financial team.
While designed for healthcare costs, a Health Savings Account (HSA) is one of the most powerful, yet overlooked, retirement savings vehicles. It offers a unique triple tax advantage: your contributions are tax-deductible, the funds grow tax-free, and withdrawals for qualified medical expenses are also tax-free. To be eligible, you must have a high-deductible health plan (HDHP). For 2023, individuals can contribute up to $3,850 and families up to $7,750. After age 65, you can withdraw funds from your HSA for any reason without penalty, paying only ordinary income tax, just like a traditional 401(k). This flexibility makes it an excellent supplemental retirement account.
Often misunderstood, a properly structured whole life insurance policy is more than just a death benefit; it's a foundational financial asset. At BetterWealth, we refer to it as The And Asset because it allows you to build wealth while protecting it. A portion of your premiums funds a cash value component that grows over time, creating a stable, liquid pool of capital you can access during your lifetime. You can borrow against your cash value for any reason, from investing in your business to supplementing retirement income, without interrupting the policy's growth. These living benefits provide certainty and control, making your policy a private source of capital that complements your other retirement accounts and helps you live intentionally.
Choosing the right retirement plan is only half the battle; you also need to understand how your contributions and taxes work within that plan. The rules can feel complicated, but getting a handle on them is essential for building your wealth efficiently. How you contribute and how your money is taxed will directly impact how much you have available in the future. Let's break down the key concepts you need to know, from IRS limits to the distinct tax advantages of different accounts.
The IRS sets a cap on how much you can put into most retirement accounts each year. These contribution limits are important because they define the maximum amount of money you can save in a tax-advantaged way. These limits often change annually to adjust for inflation. For high earners and entrepreneurs, it’s common to hit these maximums early in the year. This is a primary reason why exploring alternative plans becomes so important for continuing to build wealth beyond the constraints of traditional accounts.
This is one of the most critical distinctions in retirement planning. Tax-deferred accounts, like a traditional 401(k) or IRA, let you contribute pre-tax dollars. Your money grows without being taxed year after year, but you’ll pay income tax on withdrawals in retirement. In contrast, tax-free accounts, like a Roth IRA, are funded with after-tax dollars. This means you pay taxes on your contributions upfront, but your qualified withdrawals in retirement are completely tax-free. The choice between a Roth vs. traditional account depends on whether you expect to be in a higher tax bracket now or in retirement.
One of the biggest perks of contributing to a tax-deferred retirement account is the potential for an immediate tax deduction. When you contribute to a traditional IRA or a SEP IRA, you can often deduct the amount of your contribution from your taxable income for the year. For instance, if you contribute $6,000, your taxable income could be reduced by that same amount. This strategy is especially powerful for business owners and high-income individuals looking for ways to manage their current tax liability while still saving for the future. You can find more details on IRA deduction limits directly from the IRS.
While not a traditional retirement account, a properly designed whole life insurance policy offers a unique combination of tax advantages that make it a powerful financial tool. The cash value within your policy grows on a tax-deferred basis, meaning you don't pay taxes on the growth each year. Even better, you can access this capital by taking a policy loan, which is generally received income tax-free. Finally, the death benefit is typically paid to your beneficiaries income tax-free. This combination of features makes cash value life insurance an excellent "And Asset" for creating more certainty, flexibility, and long-term financial confidence.
When you think about retirement, a 401(k) or an IRA probably comes to mind first. But for many successful entrepreneurs and investors, a traditional plan isn't enough. Whole life insurance is often overlooked as a retirement tool, but its unique structure can offer stability, tax advantages, and access to capital that other plans can't match. It’s not just about the death benefit; it’s about building a financial asset you can use throughout your life, including your retirement years.
A properly designed whole life policy acts as a foundational asset, providing certainty in a world of market volatility. It allows you to create your own source of financing and build a legacy at the same time. Let's look at how a policy can fit into your long-term financial picture and help you live more intentionally.
Think of your whole life policy as having two components: the death benefit for your loved ones and a savings element called "cash value." With each premium payment, a portion funds the death benefit, and another portion goes into your cash value, which then grows over time. This growth is tax-deferred, meaning you don't pay taxes on the gains as they accumulate.
Over the years, this can build into a substantial sum, creating a stable pool of capital you can rely on for retirement income or other opportunities. This cash value becomes a key part of your personal balance sheet, an asset you control. You can find more details in our life insurance resources.
One of the most powerful features of a whole life policy is your ability to access its cash value. You can take out a loan against your policy's cash value for any reason, whether it's to fund a business venture, cover an unexpected expense, or supplement your retirement income. Unlike a 401(k) loan, there's no application, credit check, or lengthy approval process.
These policy loans are also generally income tax-free, as long as the policy remains active. This gives you a flexible and private source of liquidity without creating a taxable event, which is a significant advantage for anyone looking to manage their tax burden in retirement.
Unlike an employer-sponsored 401(k), your whole life policy is completely portable. It’s your asset, and it stays with you regardless of your employment status, which is ideal for entrepreneurs and business owners. The policy is also flexible, and it’s not just for after you’re gone. It’s a living asset.
Many modern policies include "living benefits," which allow you to access a portion of the death benefit if you are diagnosed with a terminal or chronic illness. This can provide critical funds for medical care without depleting your other retirement accounts. This feature reinforces the idea of life insurance as a tool to support you throughout your entire life.
A whole life policy is not a one-size-fits-all product. The right policy for you depends entirely on your personal financial situation and your vision for the future. That’s why we focus on designing policies that are tailored to your specific retirement objectives. We structure them to maximize cash value accumulation, giving you more capital to work with over the long term.
Our process is about understanding your goals first, then building a strategy around them. By aligning the policy's structure with your needs, we help you create an asset that provides certainty, flexibility, and control. You can explore our philosophy on our Intentional Living Wall.
Once you’ve chosen an alternative retirement plan, the next step is to decide what to put inside it. Think of your SEP IRA or Solo 401(k) as the container; the investments you fill it with are what will actually grow your wealth. Most of these plans give you access to a wide world of investment choices, from the stock market to real estate funds and other asset classes. This freedom is a huge advantage, but it also means you have to be the one to build the engine that drives your retirement savings forward.
The key is to build a strategy that aligns with your financial goals and your comfort with risk. It’s not about chasing the hottest stock or trying to time the market. Instead, it’s about being intentional. While many people focus solely on market-based assets, a truly resilient retirement strategy often includes a stable foundation to complement those investments. This is where you can design a portfolio that gives you both growth potential and peace of mind, allowing you to weather economic storms without derailing your long-term vision. It’s about creating a financial system that works for you, not the other way around.
Most retirement plans offer a standard menu of investment options. Stocks represent a share of ownership in a company. They offer the potential for significant growth over the long term, but they also come with higher volatility, meaning their value can swing up and down quite a bit. Bonds, on the other hand, are essentially loans you make to a corporation or government in exchange for regular interest payments. They are generally considered less risky than stocks and can provide a steady stream of income.
If you don’t want to pick individual stocks and bonds, you can use mutual funds or exchange-traded funds (ETFs). These allow you to buy a diversified basket of many investments all at once. For example, an S&P 500 ETF lets you invest in 500 of the largest U.S. companies with a single purchase. This approach helps you spread out your risk so your entire portfolio isn’t dependent on the success of just one or two companies.
Your investment strategy should feel right for you. That’s where risk tolerance comes in. Simply put, it’s your ability to stomach market fluctuations without making emotional decisions, like selling everything during a downturn. Understanding your personal risk tolerance is fundamental to building a portfolio you can stick with for the long haul. It’s influenced by factors like your age, income stability, and timeline until retirement.
If you’re an entrepreneur in your 30s, you have decades for your investments to recover from market dips, so you might build a more aggressive portfolio with a higher percentage of stocks. However, if you’re planning to access your funds in the next few years, you’ll likely want a more conservative mix with more bonds to preserve your capital. There’s no right or wrong answer; the goal is to align your investments with your financial timeline and your ability to sleep at night.
You don’t have to choose just one type of investment. In fact, you shouldn’t. The most effective financial plans layer multiple strategies to create a balanced and durable portfolio. This practice, known as diversification, is about making sure all your assets aren’t moving in the same direction at the same time. When stocks are down, another part of your portfolio might be stable or even up, which helps smooth out your overall returns over time.
This is the core idea behind strategic asset allocation, where you intentionally spread your money across different asset classes. For many of our clients, this means combining market-based investments like stocks and ETFs with a stable, non-correlated asset like a high-cash-value whole life insurance policy. By layering strategies, you create a powerful "And" portfolio that gives you market participation for growth and a secure foundation for control and liquidity, no matter what the economy is doing.
One of the most common questions we get is about what to do with retirement funds when you leave a job. It’s a critical moment for your financial future. Making the right moves can protect your savings and keep your wealth growing, while a misstep can lead to unnecessary taxes and penalties. This transition isn't just a logistical task; it's a chance to be intentional about where your money goes and how it works for you. Whether you're moving to a new company, starting your own business, or beginning retirement, you have several options to consider. Let's walk through what you need to know to handle your money with confidence and keep it aligned with your long-term goals.
When you leave an employer, you don't have to leave your retirement savings behind in their plan. You can, and often should, take it with you through a process called a rollover. A rollover is that it allows you to maintain the tax-advantaged status of your money. This means you won't have to pay taxes or penalties on the transfer, and your funds can continue to grow in a tax-deferred or tax-free environment.
Traditional retirement accounts like 401(k)s and IRAs come with specific rules you need to follow. If you try to withdraw money before age 59½, you’ll likely face a 10% early withdrawal penalty on top of income taxes. Later in life, you’ll encounter Required Minimum Distributions (RMDs). This is the minimum amount the IRS requires you to withdraw from your account each year, typically starting in your 70s. The government wants its tax revenue, and RMDs ensure they get it. Failing to take your RMDs can result in a stiff penalty. Understanding these rules is crucial for managing your wealth and avoiding costly mistakes that can chip away at your savings.
What if you need access to capital before retirement age without triggering penalties? This is where having an asset outside of traditional retirement accounts becomes incredibly valuable. With a properly designed cash value life insurance policy, you can access your accumulated cash value at any time, for any reason, through tax-advantaged policy loans. Unlike a 401(k) loan, there are no age restrictions, no penalties for early access, and no RMDs forcing you to withdraw funds. This gives you a flexible source of capital you control, allowing you to seize opportunities or handle emergencies without disrupting your long-term financial strategy or paying unnecessary fees to the government.
Choosing an alternative retirement plan is a fantastic step toward taking control of your financial future. But just like any powerful tool, they come with a few common tripwires. Being aware of these potential mistakes ahead of time can save you a lot of money and frustration down the road. Let's walk through the four biggest mistakes I see people make so you can sidestep them with confidence.
It’s easy to focus on contribution limits and investment options, but the fees attached to your plan can quietly eat away at your growth over time. Even a small percentage can add up to tens or even hundreds of thousands of dollars over a few decades. Before you commit to any plan, make sure you understand every fee you might be paying, from administrative costs to fund management expenses. This isn't just about saving money; it's about being an intentional steward of your wealth. You can review investment fees with a financial professional to see exactly where your money is going.
Taxes are one of the biggest factors in your long-term wealth. It's critical to know how your contributions and withdrawals will be taxed. Some plans, like a SEP IRA, offer a tax deduction now but require you to pay taxes on withdrawals in retirement. Others, like a Roth IRA, use after-tax dollars, allowing for tax-free withdrawals later. Each approach has its place. The key is to build a strategy that gives you tax diversification. This is why we often help clients use life insurance as part of their plan, as it can provide access to capital with unique tax advantages that complement traditional retirement accounts.
We all know diversification is important for investments, but it’s also crucial for your overall retirement strategy. Relying on a single type of account can leave you exposed to market volatility or changes in tax law. A more resilient approach is to layer multiple strategies. You might pair a Solo 401(k) for market growth with a high-cash-value whole life insurance policy for stability and liquidity. This creates what we call an "And Asset" portfolio, where different assets work together to give you more certainty and flexibility. This allows you to build a financial foundation that isn't dependent on any single outcome.
Don't put the cart before the horse. Choosing a retirement plan before you’ve defined what you want your retirement to look like is a recipe for misalignment. Your financial tools should serve your life goals, not the other way around. Before you compare SEP IRAs and Solo 401(k)s, take time to get crystal clear on your vision. What does an ideal day look like for you in retirement? How much income will you need to support that lifestyle? Answering these questions first will help you choose the right plan and investment strategy. This is the heart of intentional living, and it’s the only way to ensure your money is working for the life you truly want.
Choosing an alternative retirement plan isn't about finding a single "best" option. It's about finding the right strategy for your specific circumstances. The plan that works for a salaried employee might not be the best fit for an entrepreneur who needs flexibility, or for a high-income investor focused on tax efficiency. Many people get stuck trying to find a perfect, one-size-fits-all answer, but the truth is, your financial tools should be as unique as your goals. The key is to move with intention and select a strategy that aligns with your personal and financial life.
To find the right fit, you need to look closely at three key areas: your financial picture today, your need for accessible capital, and your long-term vision for the future. Think of it like building a custom toolkit. You wouldn't use a hammer to turn a screw. Similarly, you shouldn't force a rigid retirement plan to meet a dynamic financial need. By evaluating these pillars, you can move past the noise and confidently select a plan that serves your goals, instead of just checking a box for retirement savings. This process helps you build a financial strategy that is truly your own, giving you more control and confidence along the way.
First, take a practical look at your numbers. Your income determines how much you can contribute, which might make certain plans with higher contribution limits, like a SEP IRA or Solo 401(k), more attractive. Next, consider your tax situation. Do you want a tax deduction now, or would you prefer to pay taxes now in exchange for tax-free growth and distributions later? Your answer will guide you toward either a tax-deferred or a tax-free strategy.
Finally, think about your timeline. The years you have until retirement will influence your investment choices and how much your account can grow. For many plans, your final retirement benefit is determined by your account balance, which reflects your contributions and any investment gains or losses over time. A longer timeline may allow for a more aggressive approach, while a shorter one might call for more conservative choices.
For entrepreneurs and investors, access to capital is crucial. Many traditional retirement plans lock your money away until age 59.5, with steep penalties for early withdrawals. This can be a major drawback when a business or investment opportunity appears. It’s important to understand what "portability" means for different plans. While many accounts are portable, allowing you to move your money to another retirement account if you change jobs, this doesn't mean the funds are liquid.
This is where you need to think differently about your assets. Do you need a portion of your wealth to remain accessible for opportunities? A strategy that includes cash value life insurance can provide an alternative source of capital. Unlike qualified retirement plans, a properly designed policy allows you to borrow against your cash value at any time, for any reason, without the same tax consequences or penalties.
A retirement plan is a tool designed to help you reach a destination. So, where do you want to go? Your financial goals should be the ultimate guide in your decision. Are you simply trying to replace your income in retirement, or are you aiming to build a legacy, create a family bank, or fund future business ventures? Your vision for an intentional life will determine which features are most important to you.
Some plans offer the flexibility to change your investments as your goals evolve, allowing you to stay aligned with your long-term objectives. The goal is to layer strategies that work together to build the future you envision. By starting with your end goals in mind, you can choose a plan that doesn't just grow your money, but actively helps you build the life you want.
Is it better to have one great retirement plan or several different ones? It's less about finding one perfect plan and more about building a resilient system. Relying on a single account, even a great one, can leave you exposed if the market changes or your needs shift. A much stronger approach is to layer multiple strategies that do different jobs. For example, you might use a Solo 401(k) to capture market growth and pair it with a high-cash-value whole life policy that provides a stable foundation and a liquid source of capital. This creates a financial portfolio that gives you both growth potential and control, so you're prepared for anything.
How is using a whole life insurance policy for retirement different from just investing more in the market? This is a great question because they serve two very different, but complementary, purposes. Investing more in the market is a strategy for pursuing growth, but it comes with volatility and rules that can lock up your money. A properly designed whole life policy is a strategy for stability and control. The cash value provides a predictable asset that isn't tied to market performance, and you can access it through tax-advantaged loans without penalties. Think of it this way: the market is your engine for growth, while the life insurance policy is your financial chassis, providing a solid base and a reserve tank you can tap into anytime.
I'm a business owner with fluctuating income. How do I choose a plan that can adapt? The reality of being an entrepreneur is that your income can swing from one year to the next. For this reason, a plan like a SEP IRA can be an excellent fit. Contributions to a SEP IRA are based on a percentage of your net income. This means in a great year, you can contribute a significant amount to your retirement, and in a leaner year, your required contribution is lower, so you aren't financially strained. This flexibility allows your retirement savings strategy to move in sync with the natural cycles of your business.
What's the main difference between a SEP IRA and a Solo 401(k) for a self-employed person? While both are fantastic options for the self-employed, the key difference lies in the contribution structure. With a SEP IRA, you contribute only as the "employer." With a Solo 401(k), you can contribute as both the "employee" and the "employer." This dual contribution often allows you to put away more money, especially at lower income levels. Additionally, some Solo 401(k) plans offer a Roth option and the ability to take a loan, features that are not available with a SEP IRA.
This all sounds great, but a little overwhelming. What's the most important first step? The most important step has nothing to do with choosing a product. It's about getting clear on your personal vision. Before you compare contribution limits or tax benefits, take the time to define what you want your life to look like in 5, 10, and 20 years. How much income will you need to live the life you want? What role do you want your money to play in that life? Once you have a clear destination, you can then select the financial tools, like the right retirement plan, that will help you get there with intention.
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