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Rob Drury

Good article overall.

In the paragraph entitled "Maintain an IRA in addition to your 401(k)" you outline a contingency plan in case there are insufficient or unfavorable investment choices within the 401(k). I would argue that this paragraph does not describe a "plan B," but the way one should operate with virtually any 401(k). The only advantages of a 401(k) over other tax qualified options are matching contributions and reduced-price company stock. One always has greater options and control in a self-directed IRA. Get the match, then look elsewhere. Once one runs out of qualified options, then consider further 401(k) contribution.

Rob Drury
Executive Director,
Association of Christian Financial Advisors

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