New, improved text referencing stock market volatility and need for diversification--and how to do it. Expanded text, analysis, and examples on Roth IRAs and conversions Congressional/presidential action--from President Bush's proposed tax cut to proposed changes to 401(k), 402(g), 415, and pension portability. How to use 401(k), Roth, and Sec. 529 plans--and which one is right for you--to save for your children's education. ETFs and other new investment products and self-directed brokerage accounts. Pension plans, pension equity plans, Cash balance plan conversions--what's the difference?