<<Is there any way that we can have retirement savings protected a little from the government? What is the "Tax-efficient" strategy here?>> Please criticise me if my thought here is out of line. But...provided your situation. How about investing in companies that pay no dividend? This would be in a regular brokerage account. There are some real good ones out there. Microsoft, Berkshire Hathaway, Cisco.....to just name three... I see this as alot better than some Mutual fund or annuity that just makes the investment company rich. RBrowndog
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