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  1. Thanks for getting back to me! 1. Single 2. 22% tax bracket - although within $2000 of the next tax bracket. 3. Still 22% tax bracket at retirement - much to my surprise after just checking. 4. I do not contribute to a Roth IRA right now. Thanks again so much!
  2. Hello everyone, I'm new here. My third party company at my school district recently changed. With that, came some positive changes for me. One is that I previously wasn't able to contribute to a 457. Now we have one. Not only that, but I can pick between the Roth or pre-tax. My vendor for the 457 b is Encompass. As far as my situation, I am almost 53. Have been teaching in CA for 25 years. I will retire in 6 1/2 years, 2025. I currently make $104,000. I also have a 403 b. I will continue contributing into that, and have Vanguard as an option which is awesome. My questions are: 1) Encompass? I can't find anything about them. Has anyone heard of them? How are the investment option, fees, etc. 2) With my new company, I can now pick either the pre tax or roth in both my 457 b and my 403 b. I am curious what everyone thinks would be best?
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