By: David HuntercloseAuthor: David Hunter Name: David Hunter
Member: Member Paladin
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Email: davidhunter@horizonswealth.com
Site: http://paladinregistry.com/external/beaninformedinvestor/advisor_profile.php?advisor_id=2886
About: David Hunter has over seven and a half years of fee-only advisory experience. He has served as the primary advisor and office manager for North and South Carolina. He has a BSBA in Finance (Financial Planning) from Western Carolina University, where he currently serves on the Finance Advisory Board. David attended WCU on a full athletic scholarship to play quarterback for the Catamounts. He earned his CFP® certification in July of 2004. David was married in July 2002, to Misty, who is an English teacher employed with Buncombe County Schools. They had their first child, Sadie, in September 2008. David is an outgoing individual and enjoys working with people. What he enjoys most about Horizons Wealth Management is the true “team” atmosphere, as well, as building lasting relationships with clients. David resides in Western North Carolina where he was born and raised. He enjoys spending time with family and friends, reading mystery novels, and participating in sports such as golf, basketball and other physical fitness activities. David is a loyal football fan and frequently attends high school, college, and professional ballgames.See Authors Posts (5) | September 1, 2009 | Investor Information

There may be a million different opinions about this very subject. There may also be a million right answers to this age old question. The problem is that you will not know exactly whether pre tax retirement savings are better than tax deferred, until you retire. Therefore, I feel that tax diversification is the best approach. First, you always need to max out company matching on 401ks. Then you need to mix in some Roth savings if you are eligible. During your retirement years this will allow you to see what the tax rates are before deciding where to take your distributions. You essentially get to buy your time, wait, see and then react. It definitely isn’t the gamblers move but it will allow you to play the ever changing income tax tables.