The benefits of a Roth IRA are many and undeniable. The message sent to the general population is so strong that most people are afraid they will miss out on something if they don’t convert all their IRA funds to a Roth. Every situation is different. You need to find out how to determine if using a Roth in your retirement plan makes sense for you and your family. Making a random choice could cause regret and cost you thousands in unnecessary taxes.