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"&lt;p&gt;Do you think that qualified retirement plans (pension plans, profitsharing plans, IRAs, 401(K) plans and so on) are the best thing since sliced bread? The clear answer is it all depends on (1) whether you need the money and, in fact, do use your plan funds for your retirement (a great tax deal); or (2) you turn out to be rich (my definition of rich is you are in the highest income tax bracket-\u201440 percent\u2014and highest estate tax bracket\u201455 percent).  If you are already rich or become rich in the future, all of your qualified plan money, in the end, will be caught in a huge tax trap. &lt;/p&gt;"^^<http://www.w3.org/2001/XMLSchema#string>
<http://www.mmsonline.com/columns/triple-the-value-of-your-qualified-retirement-plan>