While a Roth 401(k) and a regular 401(k) are essentially the same thing, according to Walter Updegrave, senior editor of Money Magazine, investors may find an edge to the Roth. Whether you pay taxes on contributions or withdrawals, the maximum dollar contributions are the same.

“You can invest up to $15,500 in after-tax dollars to a Roth. Which means that as long as the dollar amount you can contribute to a regular 401(k) and a Roth 401(k) are the same, the Roth 401(k) effectively gives you the chance to sock away more money on a tax-advantaged basis for retirement, assuming you’re willing to part with the extra bucks,” Updegrave says.

Despite all this, if your clients are likely to move to a lower tax bracket, the regular 401(k) is still the better option. To take advantage of both accounts’ tax benefits, Updegrave recommends contributing to both.

“This strategy won’t guarantee you the cushiest retirement,” he says. “But it will allow you to hedge your bets and give you more maneuvering room for managing your tax bill in retirement.”