Maximum 401(k) contributions for next year were frozen at 2013 levels by the IRS, but advisors say that might not be such bad news for those saving for retirement.

"By building so much 401(k) money you are making a deal with the devil," said Jim Heafner, president of Heafner Financial Solutions in Charlotte, N.C.

Heafner explained that, with many expecting tax rates to rise over the next several years, using Roth IRAs, brokerage accounts and other post-tax vehicles for a portion of retirement savings is a good strategy.

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