Well ... as most everyone says "it all depends" on one's personal situation. If you anticipate being in a lower future bracket ... The following is my personal view.
Some things you may consider: IMHO only, always maximize 401k (for company matches and deductibility) and traditional IRAs (for the deductions) and then add to Roths with "surplus" after tax income. Also, add to a regular brokerage account with low cost index ETFs if there's still $$ left over.
If retired tax brackets are sure to be lower, then consider (full or partial) IRA to Roth conversions at that time , which require "ordinary income" taxation on the amount converted. After that the Roth growth and income withdrawals are not taxed. There are online calculators that can give you the number of years to break even with similar rates of return in both types of accounts. If you like MS Excel, there are .xlsx files around for that too or build your own.
A side benefit here is that doing the conversion(s) also reduces the future IRA amount subject to RMDs.
There's also the "back-door" IRA to Roth conversion to consider. Search for that too for the requirements and the mechanics.
Just remember, one way or another, the IRS always gets its dough, it's just a matter of timing. 😉
A good "Fee-Based" (only) CFP can help here.
Retirement planning is too important to not get unbiased expertise in developing the plan. Do not work with any commissioned based "professionals" (conflicts of interest) or people that want to create their own income annuity based on quarterly fees for managing your assets (more conflicts of interest), "fiduciaries" or not.
Or consider joining AAII if you are a do it yourself type, you'll have a lot of like minded folks to communicate with along with unbiased information.
Best wishes ...
/ss
