许多自雇人士认为（和财务顾问协议）的401 （ k ）计划并没有满足他们的需求，由于成本高，难以管理，限制和低贡献。
Manyself-employed persons felt (and financial advisors agreed) that 401(k)plans did not meet their needs due to the high costs, difficultadministration, and low contribution limits.
本协议适用于协议各方的继承人，受遗赠人，财务顾问，管理人员，执行人，继任者和受理人并且保证他们的利益。
This agreement applies to, insures to the benefit of, and binds all parties hereto, their heirs, legatees, devisees, administrators, executors, successors and assigns.
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