I have none of that! I am a small business owner. We get no special retirement programs, no pensions, no 401Ks, No Fed help, No State help, yet we are the backbone of America out there 24/7 keeping it going....
Not all of us have the benefit of the employer sponsored 401k and a 401k still isn't tax free they just make you think it is, they will get it on the back side. The ability to defer income taxes has no benefit when the participant is subject to the same tax rates in retirement as when the original contributions were made or interest and dividends earned, if played correctly it just avoids capital gains. The Canuck solution is better for the investor. $LAC long
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