How do teachers, nurses, firefighters, police, and others in the public sector plan for retirement? Hint, for the most part, they don"t invest in 401(k)s.The diverse investment opportunities available to government employees, along with the newly enacted tax laws that have expanded the investment horizon, are outlined in this "nuts and bolts" guide for civic employees. Ways to maximize their long term financial security are explained by a Wall Street financial advisor specializing in retirement planning.