Jane (the caller)

Back in the old days.

Hi.

Thank you for taking my call.

Well, I've been listening to you for a little while now, and you seem to favor a Roth IRA over a traditional IRA situation.

quite frequently.

I know the differences.

I'm wondering why you tend to favor the Roth, and I could tell you why my financial advisor originally put all my money into a traditional, if you want to hear that.

Well, that must be why my financial advisor went that route.

Because, yes, I'm retired now, but when I was making a decent salary, I was obviously in a higher tax bracket than I am now that I'm retired.

And so he's moving slowly every year a certain amount from the traditional into the Roths.

to still keep me in a very low tax bracket.