I don’t agree with the the thought process that the government is going to claw back at the Roth but if this were the logic used than it would be an acceptable reason to go with the Traditional. Similarly if someone were to argue that they thought taxes would actually be lower (i don’t agree with this ) than that too would be an acceptable reason.
My beef is that when they say they are savings person money by going with the Traditional, that is where I have to raise the Bullshit flag. Based on the scenarios they not only are NOT saving their clients money they are costing them money and even after putting it on spread sheet for one they still didn’t get it.
My take is that you have button ushers who can input the data but have no real understanding of the actual products.
