Newbie question. I realize this has probably been answered before, but I need some specific guidance and I'm having trouble making a decision.
I currently have about $28,000 in a traditional, annuity based 403(b) account. I contribute a small about each pay period, but have reduced contributions due to an aggressive student loan debt repayment schedule. I would like to transfer this account to Vanguard for a few reasons and have already decided that Vanguard is the way to go. I'm stuck on whether or not to go to a traditional or Roth IRA though. In the next few years (3-5) I might enter a higher tax bracket, but in the next 5-10 I anticipate moving into a lower tax bracket. I'm having trouble deciding which one is right for me. If I move out of state (as anticipated in the next 5-10), I will need to move my state based retirement account as well. My gut says go to a traditional and roll over to a Roth later, when I'm closer to FIRE. Does that sound right?