Retirement isn't cheap. According to the 2022 Survey of Consumer Finances, the average family has just $333,940 saved, so most families have some work to do to get that nest egg to a level that will make retirement comfortable. The good news is that patience and a plan can go a long way.

So, if you want to retire with $1 million or more, you're in luck. There's likely still time to make this a reality. Anyone can build a simple and effective retirement plan using exchange-traded funds, large groups of stocks that trade under one ticker symbol.

These four ETFs are different from one another. Together, they make a diversified and dynamic wealth-building machine that will take your retirement savings to the next level while reducing risk.

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Source Fool.com