[biosurfer1]

I have looked into quite a bit too and the problem I have found is it's so specific to each individual, it really is worth it to visit a financial advisor, fee only of course, and one with retirement tax experience.

So much of it depends on your current tax rate, your expected withdrawals, your account totals, etc.

From what I have found it seems quite worth it if you plan carefully for it and make sure everything is in line. I think more people avoid doing because often it's pay now for bigger benefit later, which lots of people don't like for some reason.