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Question

Pre-tax or Roth contributions: which is better for U-M employees?

Answer

Pre-tax contributions reduce your taxable income now, while Roth contributions provide tax-free withdrawals in retirement. Mercer Advisors can evaluate both options based on your current tax bracket, expected retirement income, and opportunities for Roth conversions during early retirement.

Related FAQs

Which is better: the 403(b) SRA or the 457(b) plan for additional savings?

Where can I get guidance during Open Enrollment?

Where should I get help coordinating my TIAA and Fidelity accounts?
Retirement Professions Young Professionals Retirement Planning Higher Education Healthcare & Medicare FAQs
Last Updated May 20, 2026
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We exist so you don’t have to worry about money. For more than 40 years, we’ve taken the sophisticated, time-tested approach that many ultra-high net worth individuals use to help manage their financial lives and made it accessible to more families.

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