Rocio is an architect doing contract work for various firms around New York City as a 1099 Employee. She earns $130,000 net as a single individual and is concerned about setting aside money for her retirement. Which method will allow her to set aside the most money on a pre-tax basis?

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.