How ,where and what kind of account do i need to open for me to plan for retirement since my job has no 401k

[Oso4913]

Retirement

[VolvoGirl]

You can open a Traditional IRA or a ROTH IRA.  A Traditional IRA is tax deductible now and grows tax deferred until you take it out.  Then you pay the tax on the contribution and earnings (interest etc)

A ROTH IRA you don't get a Deduction now but it grows TAX FREE so you don't pay any taxes when you take it out.

Ask your bank or go to a mutual fund company.  See this IRS Publication
https://www.irs.gov/pub/irs-pdf/p590a.pdf

[fanfare]

do not put your IRA into a bank CD or savings account. You'll never retire that way.