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What a Roth conversion really is
A Roth conversion doesn't eliminate taxes — it changes when you pay them. Whether that timing works in your favor depends on your current income, your expected future income, and how your accounts are structured. Used well, conversions can reduce future required distributions, create tax-free growth, and simplify what heirs inherit. Used poorly, they can push you into higher brackets unnecessarily. Here's how to think through the decision before acting.

WCM Team
Jun 34 min read
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