One smart strategy to consider is a Roth conversion, where you gradually convert traditional IRA funds to a Roth IRA. While you’ll pay taxes on the conversion, your heirs will benefit later as the money grows tax-free and can be distributed without any tax burden. It’s a gift they’ll truly appreciate! #RothConversion #TaxFreeInheritance #IRAPlanning #FinancialStrategy #EstatePlanning
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