They can simply contribute the 4% that the employer will match, and take the other 6% and contribute that to a retirement vehicle that will protect the investment from any losses, and allow them to take the money TAX-FREE when they need it in retirement. A 401k is a tax-deferred retirement vehicle, but if you are of the belief like I am that taxes are VERY LIKELY to increase in the future, the end result will be paying more taxes in the future than you would in the present.
This may seem a bit confusing, but a trusted advisor can help you to make sense of it all. For now, suffice it to say that there are excellent alternatives to the 401k that protect your money better, allow for excellent growth potential, and have great tax advantages. If you would like to learn more. Call 1-855-876-5252 if you are interested in learning more.
About the Author: Marc Roethel has over 7 years experience in the life and health insurance and retirement planning industries. He is CEO and co-founder of the LIFE1010™ program, which is designed to help individuals through a step-by-step process of getting their lives and businesses in order. The program focuses on emergency preparedness, creating an effective spending plan, health and wellness, and retirement planning. He is also co-author of the book "Not Yo Mama's Retirement Plan", which takes a fun and easy to understand approach to a risk-free and tax-free solution to retirement that is proven and mostly unknown by the majority of the population.