 The beauty of the Roth IRA is when you die, 100% of it is tax-free to your heirs. So if you're trying to figure out whether a pre-tax or after-tax is better, a lot of that depends on your tax brackets and many other factors that we can help you with at Tony Walker Financial. So before you make any moves one way or the other, why don't we just talk? There's no cost or obligation. We call it the free 10-minute fiduciary phone call. To set up your time to talk to me personally, log on to TonyWalkerFinancial.com, or you can simply call us at 877-