Other tax -
efficient options that you might consider, Dale, include corporate class
mutual funds or ETFs that result in less tax
than their
traditional counterparts, flow - through shares, life insurance products or direct real estate investment.
With this investment strategy analyzer, you won't have to believe everything you read; nor take anyone's word about things like: ETFs are the most
efficient and inexpensive way to invest, there's no sales charges on
mutual fund B - shares if you don't sell them, Roth IRAs are better
than traditional IRA / 401 (k) s, or the tax benefits of 529 plans, whole life (VUL), or any kind of annuity will make up for the huge costs; lack of liquidity / choices / control, etc..