Xfer IRA to Roth??

[hendi_alex]

Unless a person's tax situation goes from very low to very high, Roth vs traditional would seem to be a wash to me. With the Roth you get tax free distributions, but forgo as much as three or four decades worth of compounding on the Fed's dollar. On the other hand, if a person is in the 15% to 25% tax bracket, taxes will never likely be lower, so going Roth could provide a significant benefit. I tend to think that for most, the traditional is best, if nothing else for the emotional health related to seeing one's accumulations build much more quickly.