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I am trying to decide which is better in the long run a SEP (Self Employeement Plan(???) - sorry if that is incorrect) or a Roth investment.

Currently my wife is self employed and we make yearly contributions to her SEP plan. We are planning on opening up a Roth IRA and wondering if we should transfer all/some of the money out of SEP plan into the Roth or start a totally new Roth plan.

The person that I am opening the Roth plan with thinks it's best in the long run to place money in the SEP plan. He believes that it will be better in the long run to save the taxes now and pay them when we start withdrawing. Therefore, it is his opinion that we just start the Roth without the SEP monies. I do not think that where the money comes from benefits him more either way.

Just a note on how long the money will sit:
I am currently 29 and my wife is 33.
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