04-12-2015, 09:10 AM
You're right with the current tax laws the ROTH makes life easier with the ability to withdraw your money when you want it or need it.
I'm still in the accumulation phase and don't plan on retiring till I'm 62, so I have about another 20 years to go yet. I try to prepare myself the best I can and none of us know what we don't know, so I could be in that stage of life that it may be prudent to see a CFP.
My Kplan is just that, I invest with the best choices I have and allocate when necessary. The ROTH and brokerage accounts are geared towards DGI stocks and a couple of mutual funds. I thought I was on auto pilot and would continue as is within these retirement vehicles, but apparently that's not the case since I have questions. I don't want to leave any money on the table, so-to-speak, and that brought me to the Traditional vs ROTH issue.
Now I have to do research on finding a CFP, just great
lol
I'm still in the accumulation phase and don't plan on retiring till I'm 62, so I have about another 20 years to go yet. I try to prepare myself the best I can and none of us know what we don't know, so I could be in that stage of life that it may be prudent to see a CFP.
My Kplan is just that, I invest with the best choices I have and allocate when necessary. The ROTH and brokerage accounts are geared towards DGI stocks and a couple of mutual funds. I thought I was on auto pilot and would continue as is within these retirement vehicles, but apparently that's not the case since I have questions. I don't want to leave any money on the table, so-to-speak, and that brought me to the Traditional vs ROTH issue.
Now I have to do research on finding a CFP, just great
lol