To 401(k) or Not to 401(k)

People work hard each and every day to pave the way for a comfortable retirement.  A 401(k) is a great tool used for setting up retirement income for the future.  Many employers also will match up to 6% of your contribution, and you can contribute up to $3,000 per year.  So this is something quite attractive to most employees.  The thing is, though, some people would like to contribute a little more than the maximum allowed of $3,000 per year.  The benefits department at work has neither discussed with the employees how a 401(k) plan works, nor have they helped them decide if this is the best retirement plan for their unique needs.  Their job is simply to offer it to you...not to teach you about it. 
You need to know that other investment vehicles do exist that will allow your PRE-TAX dollars to grow tax-deferred (just as your 401(k) does), but will allow you to contribute as much as you desire.  Thus increasing your net worth as well as your retirement nest egg.  These investment strategies can also yield more favorable interest rates than your 401(k) plan.  I am not saying that your 401(k) plan is not the best for you; however, you want to make sure your financial planner has reviewed your financial goals to help you make the best decision.