10/21/2026
Roth vs. Traditional Retirement Contributions
When it comes to retirement contributions, the question is often tax now or tax later?
Traditional contributions may give you a tax benefit today, with taxes generally due when you withdraw the money in retirement.
Roth contributions are made with after-tax dollars, but qualified withdrawals in retirement are generally tax-free.
So which approach makes sense for you? It depends on factors such as your current tax bracket, expected future income, retirement goals, and overall tax strategy.
The right retirement contribution strategy isn't just about saving for the future. It's about planning for the tax impact, too.
TDA can help you look at the bigger picture and make informed decisions about your retirement and tax strategy.