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To Roth or not to Roth. It is a question that planners and their clients commonly face, whether making the decision regarding an annual contribution, or about converting (or not) an existing retirement account. Yet while the appeal for lifetime tax-free growth from a Roth may be appealing, the reality is that the Roth is not always the winning choice, and there are many myths and misunderstands about Roth accounts that make it difficult to know which is best. The reality is that there are four (and only four!) fundamental factors that determine whether a Roth will or not will be more effective than a traditional pre-tax retirement account.