Thinking about a Roth conversion for your retirement? Before you make a move, it’s important to know the full picture. Many retirees want to protect their savings from unnecessary taxes. Here’s what we often see: ✅ Savings in 401(k)s or traditional IRAs are tax-deferred, which means withdrawals are taxed. ✅ Retirees worry that tax rates may rise in the future, making those withdrawals even more costly. ✅ That’s why some consider Roth conversions — paying taxes now instead of later, with the goal

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