It seems that you feel a large proportion of people will be in the same or higher tax bracket when they retire. even though you did have one line in there that said a planner should ask that question. I don’t think thats the case for those who have higher level executive positions in their 40’s and 50’s. Their taxable ordinary income will go down if they handle it wisely; more will be capital gains, which hopefully won’t go up has high.
So obviously it depends on the individual. If I am an average employee my whole life with ordinary taxable income, it sounds like the roth would be good since I may make that level of income through the years and taxes are likely to go up. If I’m doing significantly better right now, getting a lot of ordinary taxable income but also lots of stock, maybe traditional. I’m not a an expert on IRAs by any means, but that’s the way it seems to me.
