401(k)Traditional IRA / Participant IRARollover IRA
(Recommended Level = Maximum Allowable)
*Modified AGI limit may apply.
Roth IRA, Variable AnnuitiesCash Value Life Insurance529 Educational Savings Plans
(Recommended Level = Maximum Allowable For Goal & Objective)
*A Roth IRA offers tax free withdrawals on taxable contributions. To qualify for the tax-free and penalty-free withdrawal or earnings, a Roth IRA must be in place for at least five tax years, and the distribution must take place after age 59 ½ or due to death, disability, or a first time home purchase (up to a $10,000 lifetime maximum). Depending on state law, Roth IRA distributions may be subject to state taxes.
Equity (Stock) Mutual FundsStocks, UIT's, ETP's, MLP'sFixed Income (Bond) Mutual FundsCorporate, Government and Municipal Bonds
(Recommended Level = $25,000+)
Checking, Savings, Money Markets, Certificates of Deposit
(Recommended Level = 3 to 6 Months of Bills)