re: Expiration of “Trump” tax cuts

quote:

---

So given this does it ever make sense to direct 100% of a company 401k into the tax deferred plan vs the Roth

---

Sure, if you are in a high marginal bracket now you should consider the effective tax rate (not the marginal bracket) of future withdrawals. If you dont expect significant income from other sources during retirement, much if not all of your traditional withdrawals will be taxed at zero (standard or itemized deductions) and then the bottom brackets before any of it gets taxed in a bracket equal or greater than your current one. You are doing it wrong if simply comparing rate in your top bracket today and future.

Even better, if you are withdrawing a mix of traditional, Roth and taxable (including basis) to optimize brackets. It's typically best to pull a portion from traditional so you can use that to fill the standard deduction and possibly the bottom brackets then top off w taxable basis or Roth when you approach higher brackets.