Planning for retirement is crucial to secure your financial future, and understanding the various retirement saving options is essential. Four popular choices are 401(k), Roth IRA, SEP IRA, and Traditional IRA. A 401(k) is an employer-sponsored plan allowing pre-tax contributions with potential employer matching. Roth IRA contributions are made with after-tax dollars, offering tax-free withdrawals during retirement. SEP IRA caters to self-employed individuals with higher contribution limits. Traditional IRA allows tax-deductible contributions, with earnings growing tax-deferred until withdrawal. Each option has unique benefits and considerations based on your financial goals, tax situation, and employment status. Whether you seek immediate tax advantages or tax-free growth, evaluating these options will empower you to make informed decisions for a secure retirement. Consult a financial advisor to tailor a retirement plan that aligns with your needs and ensures a comfortable future.