Contribute as much as you can to your 401K and any other retirement plans at work, if you work for an employer. If you are self employed, work with an actuary to develop a pension plan that allows you to contribute the most amount of money you possibly can.
Think twice about rolling over your 401K plan when you retire or change jobs. Most 401k plans for businesses with employees are covered by ERISA laws, and are generally protected assets in case of a bankruptcy or lawsuit. IRA plans may or may not be protected, depending on the amount in your IRA and the laws of the state in which you live. Most brokers and mutual fund reps will try to get you to roll over your money so they can manage it for you, but for many people it may be more secure to leave your money your employer's 401K plan.
Related link: IRAs Could be Fair Game in Lawsuits
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