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If you don’t have a retirement plan, don’t worry, the government has one for you. If you don’t know how the government plan works, or if you are not comfortable with the government plan, it would be wise to develop a plan of your own. In designing your retirement plan there are government created options such as an IRA, 401(k), and various pension plans, and there are private contractual options such as annuities and other financial products. For clarity, comfort, cost of living and certainty sake, it is important to remember that whoever creates the rules, can change the rules, which is why
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