Last week we discussed all the reasons why you might consider doing a Roth conversion. I promised that this week we’d review the reasons why you might NOT want to convert IRAs to Roth’s. As a simple review, to convert, you pay ordinary income taxes on all IRA funds you are going to convert in…

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During our workshop, I mentioned Ed Slott a few times.  Ed is probably the most well-known IRA expert in the country.  I’ve had the pleasure of breaking bread with Ed several times over the past ten years and enjoy not only his huge reservoir of IRA knowledge but his keen sense of humor.  Rarely does…

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It seems that hardly a day goes by that a client doesn’t ask whether a Roth conversion makes sense.  I always have the same answer…it depends. It’s a tricky calculation when deciding whether to pay the taxes now and have the money grow tax free for the rest of your life and the life of…

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I often get questions about Social Security and it’s no wonder with all the possible claiming strategies designed to increase benefits.  I’ve seen folks agonize over the best strategy for them and if married, their spouse.  The truth is, unless you can tell me the month and year you will die and the same for…

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This article is a guest submission from Marlene Stocks of Senior Transition Services, who will be leading a Lunch & Learn on this very topic on February 12 at 11:30 a.m.  Sign up to attend our Lunch & Learn and hear Marlene speak. This situation is not uncommon.  “My husband is 85 years old and…

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January is now behind us and it couldn’t have happened fast enough if you are an investor.  With the Dow Jones industrial Average down 3.7% and the S&P 500 off 3.1%, it’s certainly not the best way to start a new year.  To put in perspective, last January the S&P was down 3.46% but did…

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