Employer doesn't offer retirement plan & I'm maxing out IRA. What other options

This is exactly my scenario. I'm maxing my roth Ira. My only other thoughts are :

Jump into taxable accounts and just start pumping it into an index fund

Or

Open roth for wife and contribute

Or

Try both

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do I have as far as planning for retirement is concerned?

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If you plan on assisting college expenses for children, ensure you are in a 529.

Are you sure the employer doesn't have a 401k they just don't match? For example, my girlfriend's company has a 401k just doesn't match. If a small company, inquire with management about starting a 401k offering even if there is no match. Would benefit all emlpoyees involved due to tax implications.



Otherwise properly placed index funds seem to be the most popular investment options. That and drips

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Are you sure the employer doesn't have a 401k

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Positive. Nothing at all

You can also use an HSA for retirement if you have one. It's like a traditional IRA, but slightly better because tax free withdrawals are allowed for medical costs.

At age 65 you can withdraw for non medical reasons but you will be taxed (like a trad. IRA).

Yearly limit is between 6 and 7 thousand if married, 3350 if singe (I think).