Loren D. Stark Company
EPIC Retirement Plan Services
Randall & Hurley, Inc.
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|When and for Whom Are Roth Conversions Most Beneficial? A New Set of Guidelines, Cautions and Caveats|
Edward F. McQuarrie, via SSRN
June 8, 2021
"Future tax rates need not be higher for a conversion to pay off ... [T]he greatest benefit accrues to taxpayers who can make the conversion partly in the zero percent tax bracket, i.e., during a year with no other taxable income.... [A] Roth conversion will almost always pay off if given enough time, i.e., for life spans that extend past 90 and so long as annual distributions from converted amounts are not taken."
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