Why a Down Market Is the Perfect Tax Window for Roth Conversions

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Watching your balances shrink during a market downturn isn’t easy. But there’s a lesser-known upside: It creates a good opportunity to do a Roth conversion at a lower tax cost. This is one of the better planning moves a sliding market makes possible, and many investors miss it entirely. “When markets are down, it’s hard to avoid the noise, and people have a natural tendency to want to do…

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