No two retirement plans are the same. And that’s a good thing. Any financial plan, retirement-based or otherwise, should suit your lifestyle and goals. But many experts agree on one thing: IRAs are great vehicles for saving for retirement.

But do you need a Roth IRA or a traditional IRA? If you’re not sure which kind of IRA is right for you, you’re not alone. With a bit of research and consideration, the best choice will make itself apparent.

Free Money Finance points out a big advantage to the Roth IRA that some people might overlook: While other IRAs force distributions at a certain age, a Roth IRA lets you continue to grow your money for as long as you’d like.

While some retirees are eager to use the money they’ve saved, there are definite benefits to keeping all of it in an IRA. If you have a particularly large estate, you can set it aside into your Roth IRA to pay the estate taxes. Keep in mind that Roth IRA contributions do kick in at a certain income level, so it may be smart to consult a financial advisor before using a Roth IRA to pay estate taxes.

Do you save in a Roth IRA or a traditional, and why? What other savings vehicles do you use for retirement planning?