Roth Conversions

Roth conversions are a way boost your tax free money within retirement accounts. This is when you have money in a Traditional 401(k) or IRA and you convert some or all of the balance to a Roth 401(k) or Roth IRA. In this way, you are converting tax deferred money to Roth, and paying taxes on it after the conversion.
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Callan Periodic Table

Pictured above is the Callan Periodic Table. The larger PDF is here.

Each year across the top represents a column of the 10 major indices for investors. The top index preformed the best and the bottom index performed the poorest in each year. Each index has it’s own color, so it is easy to see how the different indices perform year to year. This truly is a fascinating graphic.
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The 529 Account

Overview: Once your retirement savings is on track, saving for college is another big goal for most people. There are lots of ways to save for college, but the 529 Plan offers the best options. There are no income limits to using one, anyone can give to your child’s account, the beneficiary can be changed to another child if needed, everything grows and is withdrawn tax-free if used for education, and front loading the account really boosts your gains. Use any state plan you like, but your own state might offer a tax deduction for using theirs, so check first.
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