Don’t Delay Roth Conversions
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Putting money in your Roth without delay is valuable.

No Roth Recharacterizations After 2017?
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It is an inconvenience during the holiday season to say the least, but Roth conversions are worth the effort.

Where is Your Priority: Tax Preparation or Tax Planning?
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At our firm, tax planning is our priority. We hope to maximize after-tax net worth over your lifetime, even if it is at the expense of this one year.

Understanding the 5-Year Holding Period, Roth Conversions, and Exceptions
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To avoid the 10% penalty, do I have to satisfy the 5-year holding period for my Roth conversions if I’m over age 59 1/2? The IRS is not very clear when it comes to when you need to pay penalties on Roth IRA withdrawals, but I think I know the answer.

Value of a Roth Segregation Conversion Strategy
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While most investment advisors do one total conversion or partial conversion here or there, we have a dedicated Roth segregation strategy, which adds real value to our clients accounts.

When You Should Not Do a Backdoor Roth
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Like how diner coffee gets more bitter as the waitress tops off your cup with more coffee from the pot, so too the growth on your nondeductible assets increases your tax owed by decreasing the percent post-tax assets in your cup.

Our Customized Roth Conversion Recommendations
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I have learned there are so many more wise plans than just “top of the bracket” conversions.

Q&A: What’s My Roth Conversion Limit?
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The legal answer to this question is: there is no limit. The practical answer is: it depends on a number of things.

Roth Recharacterization: May Change Your Required Minimum Distribution
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A Roth recharacterization is a true undo; it is as though you never converted those assets in the eyes of the IRS. This includes recalculating your RMD had you not converted the assets.

Roth Conversion: Take Your Required Minimum Distribution Out First
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A simple summary of how to meet your Required Minimum Distribution in the same year as you perform a Roth Conversion is the axiom: RMD dollars must come out first.

Qualified HSA Funding Distribution
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There is an obscure tax rule that allows a one-time Traditional IRA-to-HSA conversion called a Qualified HSA Funding Distribution (QHFD).

What is a Roth Conversion?
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If you don’t have retirement savings in Roth IRAs, it’s time you considered their benefits. Assets in traditional IRAs can be rolled into Roth IRAs without a withdrawal penalty.

How Roth Conversions Are Reported to the IRS
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The Internal Revenue Service (IRS) is notorious for misunderstanding the recharacterizations of Roth conversions.

When Are Taxes Due On A Roth Conversion?
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Any tax which is ultimately going to be owed is owed by April 15th. Otherwise it may be subject to interest and penalties.

What is a Backdoor Roth?
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Even over the income threshold, you may still be able to add funds to your Roth IRA with what is called a backdoor Roth.

Mailbag: Is There An Advantage For Me To Do A Roth Conversion?
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My wife and I are 65 years old and I am newly retired. Is there any advantage in doing a Roth conversion this year?

Will Roth Conversion Affect My Estimated Tax Payments?
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Roth conversions are a great way to save money and if you have a good financial planner, they need not be a headache.

Roth IRA Conversions and Roth Segregation Strategies
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Roth accounts have several advantages over traditional retirement accounts.

Roth IRA Calculator and Rules
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A complete guide to using Roth IRAs to build lasting wealth.

If Tiger Woods Can Contribute To A Roth, So Can You – Via Back Door
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A backdoor Roth IRA contribution requires some extra steps but allows high-income earners equal access to the tax-free benefits of a Roth IRA.

Roth IRAs: If the front door is closed, try the back door ($ ?s)
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There is a backdoor way to contribute to a Roth IRA for those who are not income eligible. This method requires the following steps:

Last Chance for a Roth Conversion during 2012
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While Roth conversions will be advantageous for some next year, they are advantageous for nearly everyone in 2012.

IRS Notice of Proposed Adjustment for Underpayment/Overpayment (CP2000) for 2010 Roth Recharacterization
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Currently the IRS is sending notices to anyone who did a Roth Recharacterization in 2010 asking them to pay as though they kept the entire conversion amount.

Roth IRA Recharacterization 2012: Undoing a Roth Conversion
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Nearly everyone is an excellent candidate for a Roth conversion this year. You can always undo part or all of a Roth conversion with what’s called a recharacterization, so you can’t convert too much.

Roth IRA Conversion 2012: Roth Calculator for Prof. Low Income
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Who would have thought that someone earning $10,700 might want to purposefully push their taxable income up to $217,450 this year in order to pay $47,595 more in taxes at these lower 2012 tax rates?

Roth IRA Conversion 2012: Roth Calculator for Mr. Esq
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Who would have thought that someone in the 33% tax bracket now who will be in a lower 28% tax bracket in the future might want to do a Roth conversion at his higher rates now?

Roth IRA Conversion 2012: Roth Calculator for Ms. Small Business Owner
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Who would have thought that someone earning $400,000 might want to purposefully push their taxable income up to $1.2M this year in order to pay $280,000 more in taxes at these lower 2012 tax rates?

Roth IRA Conversion 2012: Roth Calculator for Mr. Average
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Who would have thought that someone earning $75,000 might want to purposefully push their taxable income up to $275,000 this year in order to pay as much as possible at these lower 2012 tax rates!

Roth IRA Conversion 2012: A Roth Conversion Calculator
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Nearly everyone is an excellent candidate for executing a Roth conversion this year. But it is helpful to have a target amount in mind before you begin.

Roth IRA Conversion 2012: Are You a Good Candidate?
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You may be a good candidate for a Roth conversion in 2012 if you can answer “yes” to any of these statements.

The Absolutely Last Chance for a Massive Roth Conversion
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A tax tsunami is coming at the end of this year. This will be your last opportunity to safeguard your assets in a lifeboat and avoid getting swamped with taxes.

IRA required minimum distributions, charitable giving and Roth conversions
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There are three IRA tax requirements and saving techniques which collided recently for a client. I found a solution.

Roth Regrets? Still Time to Change
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David John Marotta was featured in a Wall Street Journal article about the upcoming Roth recharacterization deadline.

Market skid may prompt Roth IRA ‘do-overs’
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Marotta’s Roth segregation technique of conversion and recharacterization was featured in InvestmentNews magazine.

Video: A Roth Conversion Makes Cents
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There are years and situations when a Roth conversion is not appropriate, but they are often surrounded by years when it should be considered.

Video: Roth Segregation Part 1: IRA Tax Law
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A complex technique called “Roth segregation accounts” could earn your investments an extra 30% over the next two years.

Roth Segregation Accounts
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A complex technique called “Roth segregation accounts” could earn your investments an extra 30% over the next two years.

Video: Roth Segregations
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A complex technique called “Roth segregation accounts” could earn your investments an extra 30% over the next two years.

Video: Roth Segregation Part 2: Implementation
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A complex technique called “Roth segregation accounts” could earn your investments an extra 30% over the next two years.

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