re: Help a brother out with some retirement planning advice

So more less does $2,000 a year match and the annuity ($450k value at retirement) get offset by you doing $6,000 a year in Roth assuming your income doesn't grow past phase out?

Or basically is the $4,000 a year (net increase in Roth investment minus $2,000 match lost) in 32 years worth $400k annuity you will get?

At 7% that $4k will be $440k at 7%

363k at 6%

Last 50 years stock market roughly 10% not inflation adjusted. So conservatively at worse you breakeven