2024 Best retirement planning apps - SLK co-creates a retirement app to improve the retirement planning ... This is the next best step for the overall well-being of users that will help them plan ...

 
10. Pick a Date to Retire. This sounds blindingly obvious, but it’s anything but. After you’ve worked out how much money you’ll have for retirement and how much you’ll be spending once you .... Best retirement planning apps

Best retirement financial advisers: Frazer James is an independent retirement planner in Bristol, UK offering expert advice on retirement & pension ...What tax will I pay on my pension pot? If you're looking forward to retirement, it's good to know the best way to take your money without paying too much tax on ...The maximum amount you can contribute to a Roth 401 (k) for 2022 is $20,500 if you’re younger than age 50. This is an extra $1,000 over 2021. If you’re age 50 and older, you can add an extra ...Dec 1, 2023 · 1. Keep your budget in mind. Simple, digital-only services will be less expensive; holistic financial planning will be more. It's a good idea to know what you're comfortable spending before you ... 1. Keep your budget in mind. Simple, digital-only services will be less expensive; holistic financial planning will be more. It's a good idea to know what you're comfortable spending before you ...Jun 7, 2023 · The best retirement planning tools and software include: Betterment App. Charles Schwab Retirement Calculator. Retire Inspired Quotient Tool. Fidelity Retirement Score. Empower. Stash... Our experts suggest the best funds and you can get high returns by investing directly or through SIP. Download ClearTax App to file returns from your mobile ...A 401 (k), which is a defined contribution plan sponsored by your employer that enables you to save money for retirement, could offer major benefits for your future self. Your employer might also ...Read More: 7 Best Retirement Planning Apps: 2023. 3. Invest in a Franchisee Business. ... Read More: 10 Best Retirement Planning Courses: 2023. You get to enjoy bigger returns when you’re 70 if your risk tolerance spans a …In 2023, you can contribute up to $6,500 to a traditional IRA. If you are 50 years of age or older, you can contribute up to $7,500. For 2024, those ceilings are $7,000 for a traditional IRA ...6 ene 2023 ... Read in app. By Mark Miller. Mark Miller, a longtime personal finance ... Your best choice is a Registered Investment Advisor who works on a ...Looking for professional retirement planning in Kansas City, St. Louis, or Denver? Our advisors at The Retirement Planning Group can help.28 sept 2023 ... MoneySmart's Retirement Planner may appear intimidating at first glance, so we created a short video to help you get an understanding of how ...Twobird is free to use for now and plans to offer premium plans in the future. 7. Google Calendar. Google Calendar is one of the best online calendar apps out there. It provides one of the best overviews of …You will have about. $1,725,000. You will need about. $2,940,000. *Need is based on covering 70% of your annual pre-retirement income and a life expectancy of 100 years. Keep in mind that the ... opportunities for application retirement to actually reaping tangible benefits from this exercise. The methodology as a whole consists of industrialized process flows, artifacts, frameworks, tools and techniques that, together, address many of the problems encountered by CIOs when seeking out the best path towards retiring applications.Read More: 7 Best Retirement Planning Apps: 2023. 3. Invest in a Franchisee Business. ... Read More: 10 Best Retirement Planning Courses: 2023. You get to enjoy bigger returns when you’re 70 if your risk tolerance spans a …PearBudget Budget Spreadsheet. PearBudget is a free, comprehensive spreadsheet designed to track your monthly household spending. It can be downloaded and used with Microsoft Excel or any other spreadsheet software that supports Excel files. An analysis tab analyzes expenses by different categories and shows the difference …Planning for retirement helps you determine retirement income goals and prepare for the unexpected. Browse Investopedia’s expert-written library to learn more.Once you turn 50, catch-up contributions let you save an extra $7,500 in a 401 (k), $1,000 in an HSA and an extra $1,000 in your IRA. Yes, you can do both. So can your spouse, if you have one. 4 ...MoneyGuidePro: The flagship version of Envestnet's financial advisor software provides goals-based planning with what-if worksheets, custom report templates and detailed plan analytics. NaviPlan ...You need to enable JavaScript to run this app. How this tool works Popout. 1Tell Us About Yourself; 2Your Retirement Plans; 3Your Retirement Analysis. Describe ...Having used just about every online retirement planning tool available, I thought I'd share the five that rate among the very best. 1. Personal Capital's Retirement Planner. The first option is ...We all long for retirement, especially when it means no more hectic work schedules. After years of hard work we get to relax, shop, play golf and enjoy everything we’ve worked for. It doesn’t matter how young you are, saving for retirement ...There are a few simple things you can do to make planning for the future easier. Things like establishing a savings habit, making it automatic, and calculating how much you’ll need.RetireEasy is the UK’s only independent retirement planning tool. LifePlan gives you an overview of all of your assets – including investments, pensions, savings, business assets and properties – and the income you will receive after liabilities such as debts, mortgages and income tax. It is not just a snapshot, but shows you how your ...What tax will I pay on my pension pot? If you're looking forward to retirement, it's good to know the best way to take your money without paying too much tax on ...What type of investment portfolio works best for me? What happens to your ... myMoneyGuide® (“MG”) is a non-transactional application. Clients are unable to ...5. 9. Retirement planning means knowing when to start, figuring out how much you’ll need and choosing the right accounts to help you get there. Here’s how to get started, wherever you are in ... Here's how to make a basic financial plan for retirement: Save regularly when planning for retirement. Maximize your 401 (k) match. Take advantage of retirement planning tax breaks. Open an IRA ...With these excellent budgeting features, it’s easier to deal with money struggles, and reassess your spending. 4. Wealthsimple. Wealthsimple is a retirement planning application that offers realistic account minimums, and low fees. As well as the retirement planning features, the app offers investment options and investment …Nov 1, 2023 · Retirement planners need to keep an eye on IRA contribution limits and carefully adjust their annual contributions. The annual limits for traditional and Roth IRAs are 8% higher in 2023, rising to ... For 2023, you can contribute up to $6,500 in annual contributions, and up to $1,000 in annual catch-up contributions for employees age 50 or older. This means you can set aside up to $7,500 if you ...PearBudget Budget Spreadsheet. PearBudget is a free, comprehensive spreadsheet designed to track your monthly household spending. It can be downloaded and used with Microsoft Excel or any other spreadsheet software that supports Excel files. An analysis tab analyzes expenses by different categories and shows the difference …Whether you’ve moved to a new city or you’re ready to get more social in your current place, there’s no reason to sit at home alone and hope something comes up. Whether you’re planning an event or just looking for one to attend, Eventbrite ...From budgeting and tracking your spending, to investment and retirement planning, these apps can help you get your finances in order. So, if youâ re looking for a way to better manage your money, read on for the 10 best personal finance apps. Best Personal Finance Apps for Money Management.Here are 12 worthwhile online personal finance courses you can take for free: Finance for Everyone: Smart Tools for Decision-Making. McGill Personal Finance Essentials. Brigham Young University's ...Mint is a money management and budgeting app first. ... If you’re focused on retirement planning, consider software with robust retirement planning tools. There’s no one best portfolio ...Simpleplanning provides a detailed tax calculator that allows you to create a model of a complete tax return. The demo version is free, but the Complete Planner comes with other features. It has a built-in retirement planner, budget planner, net worth planner, and mortgage planner. The planner is fairly priced at $39.95.Senior citizens are more active today than ever before. From living in vibrant retirement communities to fully independent living, they work hard to make sure life is never slow and boring. With so many activities to choose from, they seem ...10 jun 2022 ... ... best budgeting apps ... Unlike many of the other personal finance apps listed in this guide, Personal Capital has a retirement planning feature.Retirement planning is an important piece of the financial security puzzle. And puzzle may not be the wrong word here. With changing costs of living, and fluctuating healthcare expenses, knowing just how much to save isn’t always as easy as...Fidelity wins our best overall retirement plan for brokerage companies thanks to a strong selection of IRA options, low costs, and variety of investment choices. You’ll find that no matter your income and financial background, Fidelity offers an IRA that aligns to your situation. Pros. Many retirement account types to choose from.Sep 11, 2023 · Best Budgeting Apps of 2023. Best Overall: You Need a Budget (YNAB) Best Free Budgeting App: Mint. Best for Cash Flow: Simplifi by Quicken. Best for Overspenders: PocketGuard. Best for Building ... For 2023, you can contribute up to $6,500 in annual contributions, and up to $1,000 in annual catch-up contributions for employees age 50 or older. This means you can set aside up to $7,500 if you ... The best budget apps are user-approved and typically sync with banks to track and categorize spending. ... Investing Retirement Planning Roth IRA Estate Planning Brokers 401k.Simply put, it can get you in the ballpark. Expecting a $5 iPad app to calculate a comprehensive retirement plan is simply unreasonable - the real world is far too complex. If you want to have some fun and noodle around with savings levels, retirement dates and the like, have at it, you won’t be disappointed.1. Keep your budget in mind. Simple, digital-only services will be less expensive; holistic financial planning will be more. It's a good idea to know what you're comfortable spending before you ...Oct 18, 2022 · Fortunately, planning for retirement is easier than ever thanks to the abundance of tools and software solutions on the market. Keep reading to learn the best retirement planning tools for 2023. In This Article 8 Best Retirement Planning Tools. Here are the top 8 retirement planning tools you can utilize today: Personal Capital Retirement Planner A 401(k) is one of the best retirement savings plans. These employer-sponsored investment vehicles allow you to save and invest as much as $22,500 per year in 2023 — or as much as $30,000, if ...THE TOP 10 MOBILE APPS FOR OVERALL CUSTOMER SATISFACTION. 10. NATIONWIDE. Customer Satisfaction Score: 684 (out of 1,000) J.D. Power Study Average Score: 685. Apple Store Download. Google Play ...1. ClickUp. Format: Online, mobile-friendly. ClickUp is the complete workspace app for your daily planning and productivity. ClickUp helps teams and individuals create a work plan and get everything in order—making it one of the best free daily planner apps on the market. Whether you’re a task manager, a student juggling assignments, or a ...Guiding you through your investment options. Investing for retirement can be a great way to make your money work for you. If you invest wisely, the value of ...The plus plan is $40 a month. The advanced plan is $90 a month. Best for: QuickBooks is best for small to mid-sized businesses. 4. Vena Solutions. Vena is a financial planning platform designed to bring people, the planning process, and systems together with pre-built solutions to automate time-consuming tasks.The best budget apps. YNAB, for hands-on zero-based budgeting. Goodbudget, for hands-on envelope budgeting. EveryDollar, for simple zero-based budgeting. Empower Personal Wealth, for tracking ...You can use the pension calculator to help predict what you could get at retirement and plan for the future. It works by using assumptions on things like growth rates, investment fees, and length of investing. Just pop in details of all your pensions and we'll rustle up the numbers. Remember, the pension calculator only gives you an estimate ...It was acquired by fintech company Oportun in 2021. Best for: Outsourcing savings decisions. Cost: Free for 30 days, then $5 per month. 2. Qapital. Qapital also aims to help you save small amounts ...Jul 5, 2023 · In this article, we'll look at the top five financial planning software programs used by financial advisors. The top five financial planning software programs used by professional financial ... Oct 18, 2022 · Fortunately, planning for retirement is easier than ever thanks to the abundance of tools and software solutions on the market. Keep reading to learn the best retirement planning tools for 2023. In This Article 8 Best Retirement Planning Tools. Here are the top 8 retirement planning tools you can utilize today: Personal Capital Retirement Planner The Retirement and Savings Institute of HEC Montréal provides free software, Canadians’ Preparation for Retirement (CPR), the purpose of which is to determine a fixed-retirement income based on current assets and future savings. I reviewed the software by inputting information for two fictional people who both want to retire at age 65.This app is unique in the world of retirement-planning apps because it is structured as a game rather than a tool. The goal of the STRUCT game is to learn the concepts of risk, diversification, goal setting and long-term progress.7 Best Free Retirement Planning Spreadsheets (Updated for 2023) These 7 free retirement planning spreadsheets will help you plan your financial future and experiment with savings, investment, and withdrawal rate scenarios. Preparing your retirement takes careful planning that begins years in advance. A spreadsheet is a …For many people, work can form a big part of their social life and it’s common to feel at a bit of a loose end once you retire. Fill the gaps by joining clubs and groups. Find out about the social and physical benefits of walking groups. 10. Make peace and move on. Don’t spend your retirement dwelling on your working days.The best case scenario is you always have plenty of time to plan a trip far ahead of time. This ensures you get the best deals on flights, food, tours, hotels, etc. You can’t let that happen when there are still amazing, last-minute deals t...Dec 1, 2023 · In 2023, you can contribute up to $22,500 per year or 100% of your compensation, whichever is less. Employees aged 50 and older may make additional catchup contributions of $7,500. For 2024, the ... 25 ene 2023 ... You can even stress -test different good and bad scenarios that could happen before and during retirement.” The Financial Planning Association ...Why Consider a Retirement Planning App? When you are developing your retirement strategy, it cannot be easy. Luckily enough, several retirement planning …The Retirement and Savings Institute of HEC Montréal provides free software, Canadians’ Preparation for Retirement (CPR), the purpose of which is to determine a fixed-retirement income based on current assets and future savings. I reviewed the software by inputting information for two fictional people who both want to retire at age 65.Managing personal finances can be a daunting task, but with the rise of personal finance apps and tools, it’s never been easier. These apps can help you budget, track expenses, invest, manage debt, plan for retirement, and even prepare your taxes. However, with so many options out there, it can be overwhelming to choose the right one …2023-10-26. Information to help you plan for retirement, including how much money you might need, where your money may come from, creating a will, and estate planning.Best Personal Finance Apps. here are many great personal finance apps available today that can help you manage your money, budget better, and save money. Here are some of the best personal finance apps available: 1. Mint: Mint is a free app that helps you track your spending, create a budget, and see where you can save money.Retirement age must be higher than current age. 10. Fidelity Retirement Planner. The Fidelity Retirement Planner is a good tool with a variety of inputs that all update a single chart showing your accounts and any potential gap in what you need for a secure future. There are various data points to input.Search for jobs related to Retirement planning calculator or hire on the world's largest freelancing marketplace with 22m+ jobs. It's free to sign up and bid on jobs.List your bank accounts, and see if there’s any idle cash not earning much of a return. Interest rates are at a 22-year high. Move that money to a high-interest savings account or a certificate ...NerdWallet's Best IRA Accounts of December 2023. Interactive Brokers IBKR Lite: Best for Hands-On Investors. Fidelity IRA: Best for Hands-On Investors. E*TRADE IRA: Best for Hands-On Investors. J ...In this article, we'll look at the top five financial planning software programs used by financial advisors. The top five financial planning software programs used by professional financial ...Empower, formerly Personal Capital, is one of the hottest financial technology products on the market. Founded in 2009, the goal of Empower was to provide a blend of cutting-edge technology with objective financial advice, including retirement and budgeting tools. The company has grown by leaps and bounds and has over $12 billion …August 25, 2023 by Rob Berger Some of the links in this article may be affiliate links, meaning at no cost to you I earn a commission if you click through and make a purchase or open an account. I only recommend products or services that I (1) believe in and (2) would recommend to my mom. Advertiser...In this article, we'll look at the top five financial planning software programs used by financial advisors. The top five financial planning software programs used by professional financial ...The best retirement planning tools and software include: Betterment App. Charles Schwab Retirement Calculator. Retire Inspired Quotient Tool. Fidelity Retirement Score. Empower. Stash Retirement Calculator. The Complete Retirement Planner. NewRetirement Calculator. Playing With Fire Retirement ...Best retirement planning apps

The best retirement planning apps give you easy access to the information you need most, when you need it. The right retirement savings app is powerful and flexible enough to adapt to your specific goals and circumstances, but intuitive enough that it’s easy to use and lets you decide how much or how little you want it to do.. Best retirement planning apps

best retirement planning apps

May 14, 2021 · The personal finance app Albert, is a good example, said Johnson. It has a team of experts who answer questions users send via text. You tell Albert what you think is fair to pay for its service ... NPS aims to institute pension reforms and to inculcate the habit of saving for retirement amongst the citizens. Initially, NPS was introduced for the new government recruits (except armed forces). With effect from 1 st May, 2009, NPS has been provided for all citizens of the country including the unorganised sector workers on voluntary basis.Retirement planning is a multi-step procedure that takes time to complete. If you want to retire in style, security, and with plenty of fun, ... Read More: 7 Best Retirement Planning Apps: 2023. Depending on the type of retirement plan you have, your investment returns can be taxed.4 feb 2023 ... The app also includes a well panel with tips on how users can secure their retirement, making it not just a financial planning tool but also an ...In today’s fast-paced world, effective collaboration is essential for success. Whether you are working on a project with your colleagues or planning an event with your friends, having a reliable and efficient note-taking app can make all th...Retirement is a time to enjoy life and make the most of your golden years. But staying connected with family and friends is still important. That’s why Verizon offers special phone plans for seniors that provide great value and convenience.Here's how to make a basic financial plan for retirement: Save regularly when planning for retirement. Maximize your 401 (k) match. Take advantage of retirement planning tax breaks. Open an IRA ...Jul 12, 2021 · Here's how to make a basic financial plan for retirement: Save regularly when planning for retirement. Maximize your 401 (k) match. Take advantage of retirement planning tax breaks. Open an IRA ... Retirement is a time to enjoy life and make the most of your golden years. But staying connected with family and friends is still important. That’s why Verizon offers special phone plans for seniors that provide great value and convenience.As you approach retirement age, it is important to understand how Medicare works and how it affects your retirement plans. One of the most important tools for understanding Medicare is the Medicare Retirement Age Chart.Todd will teach you why retirement planning is more than just 401(k)s and IRAs. Some of the best investment advice to retire early can be found on this site. Retire By 40.Feb 27, 2023 · Stash. Next on our list of best retirement tracking apps is Stash. Stash is a fintech company known for its automatic savings tools and fractional investing options. But it also offers a solid ... The Simple Dollar is one of the more respected personal finance sites out there. It’s a place where anyone can go to find the financial advice they need. Each post provides great analysis and ...You might spend more money in retirement than you expected to, but planning for these big expenses could salvage your financial security. We may receive compensation from the products and services mentioned in this story, but the opinions a...The best retirement planning tools and software include: Betterment App. Charles Schwab Retirement Calculator. Retire Inspired Quotient Tool. Fidelity Retirement Score. Empower. Stash Retirement Calculator. The Complete Retirement Planner. NewRetirement Calculator. Playing With Fire Retirement ...Stash. Next on our list of best retirement tracking apps is Stash. Stash is a fintech company known for its automatic savings tools and fractional investing options. But it also offers a solid ...SEP IRA. Best for: Self-employed people or small-business owners with no or few employees. Contribution limit: The lesser of $66,000 in 2023, $69,000 in 2024, or up to 25% of compensation or net ...Plan a better retirement with this free app. ... even the best-laid plans will fail—and well-known U.S. behavioural economist Shlomo Benartzi wants you to know that saving for retirement without ...The main risk of using AI in retirement planning is the potential lack of understanding of the end user, which could lead to errors or misinterpretations. “AI is a tool, and like any tool, its ...Oct 12, 2023 · In our research, we found by far the best retirement planning software for Mac is Empower which is not only FREE, but offers a Mac desktop app and some of the most easy to use and powerful retirement planning tools on the market. Here then are the best retirement software for Mac of 2023 in order of ranking. 1. Empower (Best Overall) The best budget apps. Budget calculator. ... Digital Advisor is an affordable robo-advisory service using several of Vanguard’s key ETFs to create a personalized retirement plan and portfolio ...A good retirement spreadsheet template should include the following: Savings that you have currently. Your investments and your net worth. Your age at the time of retirement or years to your retirement. The rate of your yearly withdrawal. This is recommended as 4% and is adjusted for inflation every year.5. Retirement Outlook Estimator. 0.01M. Android & iOS. In-depth financial data at a glance; imports banking information; data is easily compiled into a budget. Provides a near-painless budgeting process; simple to understand and apply; easy to search transactions; in-depth graphical analysis.Free for one portfolio; $34.95 per month or $245 per year (seven-day free trial) for multiple portfolios. View More. View More. Ziggma. Sophisticated stock pickers and investors. Free for a single ...Here are 12 worthwhile online personal finance courses you can take for free: Finance for Everyone: Smart Tools for Decision-Making. McGill Personal Finance Essentials. Brigham Young University's ...7 Best Retirement Planning Apps (Must Have): 2023. Here is a list of the best retirement planning apps you can rely on. 1. Betterment. This app provides all the tools and supports you need to become a good investor. You can start with as low as $10 or go however high you want, but the idea is to help you make money.9 abr 2020 ... Although some budgeting apps are great for specific individuals, the same apps won't be that helpful to others. You know your financial ...Jul 17, 2023 · 5. RetireEasy. RetireEasy is an app that helps users plan for their retirement. It takes the guesswork out of saving, investing, and managing your finances so you can focus on enjoying your golden years. With RetireEasy, you can create a personalized retirement plan based on your age, income, expenses, and savings goals. 2. IRA plans. An IRA is a valuable retirement plan created by the U.S. government to help workers save for retirement. Individuals can contribute up to $6,500 to an account in 2023, and workers ...Retirement is a time to enjoy life and make the most of your golden years. But staying connected with family and friends is still important. That’s why Verizon offers special phone plans for seniors that provide great value and convenience.For many people, retirement planning often starts — and also ends — with opening a 401(k) account that their employers sponsor. In addition, almost 15% of Americans don’t have any money saved for retirement at all.Best overall financial app: Mint. This personal finance app tops the download charts week after week, and there’s good reason for its popularity. Mint (iOS/Android) includes a number of useful ...Retirement is a time to enjoy life and make the most of your golden years. But staying connected with family and friends is still important. That’s why Verizon offers special phone plans for seniors that provide great value and convenience.4 feb 2023 ... The app also includes a well panel with tips on how users can secure their retirement, making it not just a financial planning tool but also an ...SoFi Invest: Best for low fees. Betterment Investing: Best for diversified investing. Wealthfront Investing: Best for 529 plans. Ellevest: Best for financial planning and personal development ...Sep 30, 2023 · List your bank accounts, and see if there’s any idle cash not earning much of a return. Interest rates are at a 22-year high. Move that money to a high-interest savings account or a certificate ... 6 ene 2023 ... Read in app. By Mark Miller. Mark Miller, a longtime personal finance ... Your best choice is a Registered Investment Advisor who works on a ...Sep 4, 2023 · 4. 70% Pre-Retirement Income Rule. A rule of thumb is you’ll need about 70% of your pre-retirement income to spend every year in retirement. The rule states that if you made $100,000 before you retired, you would need about $70,000 per year after retirement. 5. Variable % Pre-Retirement Income Rule. Planning a road trip can be an exciting adventure, but it also requires careful preparation to ensure a smooth and enjoyable journey. One essential tool that can make your road trip planning easier is a mileage calculator app.Sep 3, 2019 · Acorns. Acorns. When money's tight, coming up with a certain percentage of your income to save for retirement every month can feel impossible. Acorns operates under the principle that "anyone can grow wealth"—regardless of the size of their paycheck. With fees that start at $1 per month, the app helps you save for retirement by connecting to ... Retirement planning is a “juggling act,” says Suze Orman. Here are the 3 biggest risks; Legislator and county council member winning state retirement benefits as a group protesting the Medicare Advantage plan; WA Cares Hosts Retirement Planning Panel for Those Nearing Retirement | Operation of a retirement home for farm animals | …Jul 1, 2022 · Popular Financial Planning Software Options. These eight options are popular solutions in the financial planning community: 1. Advisor360. Advisor360 offers three options: Essentials, Extended and ... Oct 12, 2023 · In our research, we found by far the best retirement planning software for Mac is Empower which is not only FREE, but offers a Mac desktop app and some of the most easy to use and powerful retirement planning tools on the market. Here then are the best retirement software for Mac of 2023 in order of ranking. 1. Empower (Best Overall) Here are a few highlights. Best Retirement Plan for Disability Income Payout & Flexible Retirement Age – NTUC Gro Retire Flex Pro. Best Retirement Plan for SRS & Retrenchment Payout Benefit – Manulife RetireReady Plus III. Best Retirement Plan for High Guaranteed and Projected Yield – China Taiping i-Retire (II)Since I manage my own portfolio without using a financial planner or other investment professionals, RetirementView is an excellent and relatively inexpensive ...10 jun 2022 ... ... best budgeting apps ... Unlike many of the other personal finance apps listed in this guide, Personal Capital has a retirement planning feature.... great time to schedule a check-in. Mid-year check-in with your CERTIFIED FINANCIAL PLANNER™ professional is essential to your financial planning process. A ...Property. 4. Create a life budget. Budgeting is an essential part of life. It allows you to live within your means and offers peace of mind. A budget typically matches your income against your outgoings, but many expats forget to factor in savings for their retirement alongside everyday expenses.Here's how to make a basic financial plan for retirement: Save regularly when planning for retirement. Maximize your 401 (k) match. Take advantage of retirement planning tax breaks. Open an IRA .... Options on etfs