1) RISK: Do you want risk involved in your account? Is it okay if you lose the money?
2) GUARANTEES: Do you want guarantees offered to protect your money?
3) PENALTIES: Are there fees and/or penalties for using or withdrawing your money before a certain date?
4) LIQUIDITY, USE AND CONTROL: If you need your money, can you get to it easily and quickly?
5) PROTECTION: Is your money protected from creditors and lawsuits? (This varies from state to state)
6) LEVERAGE: Does your account allow you to create the most wealth from the least amount of money?
7) TAX-ADVANTAGED: Does your money grow tax-advantaged?
8) TAX-FREE Is your money tax-free upon distribution?
9) TAX-DEDUCTIBLE PAYMENTS: When you put money in, are your payments tax deductible?
10) COLLATERAL: Can your money be used as collateral for a loan if necessary?
11) DISABILITY BENEFITS: If you become disabled does someone continue to put money in?
12) WEALTH TRANSFERS: Will your money transfer to your heirs tax free?
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