How can I think opportunistically in how I evaluate a Roth IRA at different stages of life?

• Effectively managing taxes over a lifetime requires a careful balance of your current income tax picture and a focus on income tax diversification. 
• Contributing to a Roth early in your career and shifting as your income increases to a pretax IRA or 401(k).
• Having a strategy for proactive Roth conversions in lower income tax years.
• Understanding the impact of your Required Minimum Distributions (RMDs) in retirement and how they would impact your income taxes.