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Greetings, CWeeks6, and welcome. You wrote:

<<Today I picked up our taxes from the accountant, and she mentioned to me that I should find a financial advisor and open a Keogh because my husband is self-employed and we need all the tax breaks we can get. Our IRA isn't deductible, just tax-deffered. I've done a little research at the IRS web site and at Is our only option a Mutual Fund? And does anyone have an opinion about where the best place to get one is?>>

No, a mutual fund isn't your only option. It depends on with whom and what kind of plan you decide to open. A Keogh is just one option that's available, and it's a qualified retirement plan established by a prototype document available at many brokerages and some mutual funds. Your husband may also open a SEP or a SIMPLE. All three plans have their advantages and disadvantages. All three may invest in funds or individual securities, again depending on who you select as a provider and how you want the money handled. For an overview of all three plans, see my Foolish Retirement Plan Primer at You should also go to the IRS website at so you can download and read IRS Publication 560 (Retirement Plans for Small Business).

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