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vriguy (65.07)

January 2010



Why a Roth conversion could be hazardous to your wealth

January 11, 2010 – Comments (3)

It is an easy calculation to help you decide whether a Roth conversion makes sense.  The calculation is primarily based on your current and expected future tax brackets and how much you convert, with the primary uncertainty being your projected tax brackets 10 or 20 years out. I am sure my tax bracket, and everyone else's, will be higher 10 years from now, a scenario that should favor a Roth conversion. However, for those of us that are fortunate enough to be relatively affluent - not multimillionaires but hoping to get there in the next decade or two - a potentially more significant uncertainty needs to be factored in.    [more]

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