Are you a professional or small business owner deciding whether to start a Keogh Plan or a SEP-IRA?  Or maybe a SIMPLE IRA is the right choice for you.  What are the pros and cons of a defined contribution plan vs. a defined benefit plan?  If you contribute to your employer's 401K plan, can you also contribute to a deductible IRA?  a Roth IRA?   Our goal at Rochester Financial Services is to design the most appropriate employee retirement plan, tailored to fit your specific needs, to optimize your benefits and minimize your costs.  Designed properly, the right retirement plan can help you save thousands of dollars a year in taxes as well as help you to accumulate your retirement investment nest egg.