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1. I do NOT like tax-deferred accounts for after-tax money. I'm not sure it does anything for those in high tax rates...

In my case (and I'm sure in plenty others), if I get sued for malpractice or other reasons, tax-deferred accounts (retirement accounts) can't be taken from me. Sadly enough, my taxable account (also part of my retirement planning but not viewed so officially by law) is about to be 1/2 my total retirement accounts and by the time I get there, probably 3/4 or more.

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