Loki is 25 years old and earns $92,000 a year as an engineer for a Fortune 500 Company where he has been for three years, and he is contributing 9% to his salary with the first 4% matched dollar for dollar. Which of the following will yield the greatest after tax income at age 65, assuming all net returns after expenses and fees are equal at 8% per year over the accumulation time frame and that he can contribute $4,000 per year into any of the alternatives?

The Certified Financial Planner (CFP) certification exam tests your ability to apply financial planning skills and techniques to real-life situations. Topics on the CFP test include: financial planning process and principles, tax planning, income and retirement planning, estate planning, risk management and insurance, investment planning, tax planning, retirement savings and income planning, estate planning and psychology of financial planning. The exam is 170 questions (multiple choice, short scenario and case study) and is three hours long.