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accumulate Additionally advantages allow amount annual bank benefit plans cash value certificates of deposit closed-end combination annuity corporate defined benefit defined contribution plans dividends dollars E.F. Hutton earnings employee benefits employee contributes federal fees financial advisor financial planner financial road map Ginnie Mae goals grow tax-free guaranteed high tax bracket immediate annuity income tax Individual Retirement Account insurance companies interest rate investors IRA investment IRA rollover Keogh plan lifetime limited partnership load fund loan long-term lump sum distribution maturity ment money market monthly municipal bonds mutual funds needs offer paid payments payout pension plan phase portfolio premium deferred annuity principal profit-sharing plan purchase put bonds rate of return receive risk roll savings self-employed shelter plan single premium deferred Single premium universal specific Standard & Poor's substantial tax bracket tax-advantaged tax-deferred tax-exempt taxable income tion type of plan types of annuities vestment Whole life policies withdrawals Zero-coupon bonds