Thank you all for your comments. The graduated tax rate was something that I had not really considered. Honestly, I didn't realize how much money I can take from a 401k at low tax rates. The arguments in favor of the 401k are pretty strong. Remember, that this is someone who is planning on getting the bulk of their retirement income from a 401k plan. If there were significant other sources of income (say a defined benefit pension plan or after-tax savings) that could certainly change the figures around.There is certainly a significant amount of money that can be earned (at whatever age) that gets taxed at pretty low rates. There really is no shortcut for sitting down with a pencil and paper (or a spreadsheet if you prefer) and YOUR personal situation, then running some numbers.I am also intrigued with the idea of hiring a planner. Can anyone give me an idea of how much I might pay a planner to set up a plan? I understand that there must be a lot of variables in arriving at a fee. I am just looking for a figure to get me in the right ball park.I'd hazard a guess that if you're paying less than $500, you're not going to get much worthwhile. And unless you have some very complicated situations, getting over $2500 - $3000 in costs seems to be plenty.--Peter
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