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Hi Tom
the tas deffered accounts such as Traditional IRA, 401k, and 403b are taxed as NORMAL INCOME when distributed at retirement. This means that the distributions are subject to the 'income tax rules' of the day.

Because I expect to have a retirement income that exceeds the top tax bracket - I personally would NOT max one of these accounts.

my priorities
1. max my ROTH IRA - every year - because the ROTH is 'tax free' on distribution

2. look at tax implications of my current income - WILL I BE HIT with the AMT??? - so far no AMT, but it's getting closer

3. Put as much money into equities as possible - LONG TERM capital gains tax is 15% - this is less than the upper tax brackets :-)

this strategy, max Roth IRA and cash account brokerage, limits my future taxable income.

This strategy contains assumptions about the future
Your results may vary :-)

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