Answers to these questions should be incorporated into a customized personal financial plan tailor made just for you.

A Financial Plan is specific to your unique needs and will include following:

*Current and projected financial statements *"What if" scenarios with different assumptionsv *Cash flow objectives *Retirement goals and tax-efficient ways to achieve them *Funding children's education *Protecting against financial impact of premature death or disability *Implementation schedule with a time frame to follow.

Expect this process to be an eye-opening experience. You should be able to see all disparate areas of your financial life come together into a comprehensive, meaningful, integrated whole.

All parts will work together like a well-oiled machine. You will see exactly where you are now, where you want to go, and most importantly, how to get there. Any obstacles you face will be clearly identified.

Your personal financial plan is a living document that should be reviewed on a regular schedule and altered to meet your changing circumstances.

Developing your financial plan is only first step in a life-long process of wealth accumulation and financial security. Free financial planning resources are available at http://www.flanancialplanninginfo4u.com when you are ready to begin.

It's more flexible…

Since you have already paid taxes up front, there are no minimum distribution requirements and since withdrawals are not reportable income, they won't affect your adjusted gross income during retirement.

There are special techniques and strategies in creating and managing ANY IRA that create some huge benefits for right person under right circumstances.

If you've ever been successful investing in things other than stocks and bonds, you've probably wished that these investments could be included in your IRA, 401(k) or other tax-deferred retirement plans.

Amazingly to most people it's possible to have retirement dollars in vehicles such as:

Real Estate Limited Liability Corporations, Private Stock Offerings, Trust Deeds, Mortgage Notes, Leases and Lease Options, Joint Ventures, U.S. Treasury Gold and Silver Coins, Gold Bullion and many others.

While some investors are privy to information above, most people are just clueless to fact that they have a lot more avenues for investing than what their Wall Street Journal tells them.

If you are interested in exploring what your financial advisor knows that you don’t, including where they put THEIR money for strategic returns and investments, you can check out my free site on IRAs at http://www.irainfo4u.com.

More information about these strategies are also presented in my new book, "Scientific Wealth Strategies

C.C. Collins is a Wealth Building Advisor and Author of “Scientific Wealth Strategies” at http://wealthscientist.com Find more information at http://www.irainfo4u.com