Describe what a vesting period is. Why do you think companies would include a vesting period on employees' 401(kJs? In what situation would it be a good idea t pass on your employer's 401(k) plan and instead put that money in a Roth IRA? Why? When are you taxed on your money if you put your money into a Roth IRA? How is this different than if you put your money into a 401(k)? Your friend is thinking of hiring a financial planner to help him manage his portfolio. What should he be on the lookout for? Why? What are the two factors you should consider when choosing which target date? the fund is best for you? What is one advantage of choosing a target date fund as your primary retirement investment? Describe how the asset allocation in a target date fund changes as you near retirement