Should I Contribute To My Roth IRA Vs My Traditional IRA?

When saving for retirement, clients will often ask which account they should be making contributions to – a traditional IRA or a Roth IRA? The answer depends on several different factors that should be considered and discussed.


To assist in this conversation, we have prepared the “Should I Contribute To My Roth IRA Vs. My Traditional IRA?” flowchart. This flowchart considers:

  • Eligibility to deduct contributions to a traditional IRA

  • Eligibility to make contributions to a Roth IRA

  • Current tax rates vs. future tax rates

  • Ability to max out the contributions

  • RMD impact


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