Ask the Dolans: What are my retirement plan options if I have no plan through my employer?


Ken and Daria Dolan, America's first family of personal finance, answer your questions every Friday.

Click here to ask Ken and Daria your question.

Seventy-eight million American workers are not offered a retirement plan -- such as a 401(k) or pension plan -- at work. While having an employer sponsored plan is certainly a nice benefit, you have plenty of other options for saving for retirement. Today Ken and Daria walk you through your retirement plan options.

Dear Ken and Daria,

I have no retirement plan right now. The company I work for doesn't offer any kind of 401(k) or retirement plan. What are my options for a retirement plan and how do I get started? Thank you for your help!

-- Linda

For more retirement planning help, including how much you really need to save and retirement mistakes to avoid, visit