Abstract
Traditional analysis on the use of Roth accounts often focuses on the expectations of tax rates in the future. However, tax diversification into tax-free accounts such as the Roth accounts may make sense independent of expectations regarding future tax rates. This is due to the taxation of Social Security benefits and the laws relating to required minimum distributions for traditional retirement accounts. Many taxpayers may find their overall income tax burden lighter in the retirement years by making use of taxable, tax deferred and tax-free investment accounts.
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