Financial planning rules of thumb can provide useful insight, but they are only a starting point.

When it comes to the decision to choose an IRA, the conventional wisdom is to use a Roth IRA if tax rates are expected to rise in retirement and choose the traditional IRA if they are expected to fall in retirement. However, even if you think you will be in a lower bracket after you retire, having some Roth assets could result in less taxes being siphoned from your annual retirement budget, which means more spending money available each year. Thin…
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