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401(k) — Regular or ROTH?

401(k) — Regular or ROTH?

Clients sometimes mention their employer offers a ROTH arm in the 401(k) plan and ask if they should choose that over the pre-tax option.

The answer to this question depends upon each situation, but, yes, ROTH arms can be attractive. It’s almost like asking, “What’s the best ice cream flavor?” It depends upon your circumstances and preferences.