A First Foundation Blog

Wealth Planning Wealth & Lifestyle Grow

Nearing Retirement? Take Another Look at Roth Conversions

Due to lower tax rates and the recently passed SECURE Act, those nearing retirement should consider a Roth Conversion.

For those nearing retirement, taking the right planning steps is even more important given the narrowing time frame to retirement. This current year brings forth planning opportunities which can help you achieve your retirement goals that may not be available next year since there may be an increase in the income tax rates,..

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Wealth Planning Wealth & Lifestyle Grow

Waiver of RMDs for 2020 Creates Roth Conversion Opportunity

In response to the COVID-19 pandemic, the CARES Act was signed into law March of this year. One of the Act’s major provisions was the suspension of Required Minimum Distributions (RMDs) for the 2020 tax year from certain retirement accounts – specifically, defined contribution plans and IRAs. This suspension allows IRA owners to avoid taking RMDs this year to help IRAs (or other retirement accounts) recover values lost due to the adverse..

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Wealth Planning Wealth & Lifestyle Grow

What Is Wealth Planning?

Planning to invest, or investing your plan?

Many people use the terms wealth management and investment management interchangeably. This undoubtedly creates confusion and leads to uncertainty as to what your financial “advisor” does for you. Do they manage wealth or do they manage investments? Do they plan how you invest or do they invest to your plan? Both are important, right? Many will say that investments are where the action is –..

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