[jIM_Ohio]

There are several factors to add into this. Withdraw rules are probably where most of the confusion can be turned into fact and control the decision.

Traditional IRA and 401k will have withdraws taxed (at whatever your current tax bracket is the year of the withdraw). At age 70 1/2 federal law requires you take a "required minimum distribution: (RMD). The government will tell you what the RMD is... you are allowed to take more out, the purpose of the RMD is to make sure the government gets to tax that money sooner or later. Some 401k plans may let you NOT withdraw if you are still working at 70 1/2, But if you are retired, you will have an RMD at 70 1/2 and every year after. If you are working, but have an Traditional IRA, and are 70 1/2, you will have an RMD.

Roth IRA withdraw rules are much more flexible. You have already paid taxes going in, so the government is not as controlling as to when you start taking money out, or how much you take out. There are NOT RMD's for a Roth IRA.

Based on the lax withdraw rules of the Roth, I suggest at least some retirement assets in a Roth account to take advantage of the lack of RMDs and un regulated withdraws.