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I think you should figure on being at a lower tax rate after retirement. I would use 15% instead of 28%.

Also, I would defer taxes as far into the future as possible. My advice would be to not use the Roth IRA, save the tax you would pay and invest that too in another regular investment account and put in a growth fund such as KAUFX, BARAX, PGHGX or something that will grow at a high rate over time.

Then you will have much more that enough invested in this account to pay taxes on your withdrawls from the regular IRA.

For specifics please see my post "Why Roth IRAs are bad".

If you can control where the SEP-IRA is invested I would also put that into a growth fund and just keep adding to it each month.

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