1. Systematic flow of money into the plan.
2. There should be a return on the money.
3. The money must be available when we need it out of the plan. It must be liquid; in other words, not locked up. Most people today have "handcuffs" on their money.
4. There should be minimum taxes while our plan is accumulating, not just low or deferred taxes. In an ideal plan we would avoid taxes.
5. When I ultimately receive the money out of my plan, there will be minimum taxes on distribution.
6. Ease of distribution of the money out of the plan.
7. The ideal plan must contain contingencies for death, disability, and emergency of the investor and other unforeseen factors that cannot be predicted.
8. Minimize the loss of money. (Minimize the risk)
9. Flexibility to change the plan.

Any financial plan that does not contain all 9 of these characteristics would be less than ideal.

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