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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

Nick Thornton is a financial writer covering retirement and health care issues for BenefitsPRO and ALM Media. He greatly enjoys learning from the vast minds in the legal, academic, advisory and money management communities when covering the retirement space. He's also written on international marketing trends, financial institution risk management, defense and energy issues, the restaurant industry in New York City, surfing, cigars, rum, travel, and fishing. When not writing, he's pushing into some land or water.

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