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My financial consultant doesn't care for Roth IRAs at all. Her philosophy is that she'd rather have all your money working for you rather than after-taxed money. Opinions anyone?

Also, I have money invested with Smith Barney (Unit trusts and one mutual fund), money invested in a Fool4 setup with Datek, and participate in my company's 401K plan. I have about $6000 to invest right now. Any suggestions?

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