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First time poster so please be cool. :-)

My company has a both a standard 401(K) and a Roth 401(K) option.

I'm contributing 4% of my salary into the standard 401(K) and getting a dollar-for-dollar match from the company. (They stop matching at 4%.)

I plan to max out my 401(K) contribution this year. Should I put the rest of my contributions into a Roth 401(K)?

My salary phases me out of being able to contribute to a Roth IRA and I'm also phased out of any tax break from a traditional IRA.

I know that the answer is really complicated and based on future tax rates as compared to current rates. I'm 45. I have about $250K in total in all my retirement accounts. I'm in a high tax bracket right now as my wife and I make more than $250K/yr combined.

My thoughts are to skip the tax break that I'd get by reducing my taxable income in the current year (i.e., favor the Roth 401(K)). I think this will give me a tax diversification strategy.

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