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highway sign saying Retirement That savers are undervaluing the potential advantages of a Roth strategy speaks to the hurdle plan consultants and sponsors have long faced on all aspects of plan design: educating the employee. (Photo: Shutterstock)

For savers in defined contribution plans, the question of whether to save on a pre-tax or after-tax basis is often boiled down to a simple rule of thumb: If you expect tax exposure to stay level or increase in retirement, then a Roth strategy makes the most sense.

Nick Thornton


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