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Question

Should I choose Roth or Traditional contributions for my U-M retirement accounts?

Answer

The choice between Roth and Traditional contributions depends on your current tax bracket versus your expected tax rate in retirement. Mercer Advisors can help you evaluate both options and plan Roth conversions during early retirement or low-income years.

Related FAQs

Should I use FSAs and HSAs in addition to my retirement accounts?

Should I maximize my 403(b) match first or contribute to other accounts?

How does U-M retirement eligibility work?
Retirement Professions Young Professionals Retirement Planning Higher Education Healthcare & Medicare FAQs
Last Updated May 20, 2026
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About Mercer Advisors

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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