No. of Recommendations: 0
<<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, just name three...
I see this as alot better than some Mutual fund or annuity that just makes the investment company rich.


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