The Roth Conversion Sweet Spot

Retired man read newspaper

There is a period that acts as something of a Goldilocks zone in in determining when to do Roth conversions: the interval between the point that you retire and your first required minimum distribution at age 72. Income is generally lower than it was during your working years, withdrawals from pre-tax retirement accounts aren’t mandatory, […]

The Executive’s Guide to Financial Planning

Financial Planning for Executives

We see investors of all stripes as financial advisors. Over the decades, we’ve observed that most people invest like the rest of their community. Entrepreneurs, executives, retirees, young families, medical professionals – they all have similar goals. But executives are cut from a different cloth, which makes sense. So many of them are also founders […]

When is the best time to move cash on the sidelines into investments?

Cash and Investing

There are plenty of reasons to be holding cash on the sidelines. Unallocated bonuses, inheritances, selling homes and businesses, exercising options, and pandemic savings are some of the ones we come across frequently. (Though the last one in that list is a relatively recent addition). These funds can represent a problem. Savings accounts are paying […]

The Definitive Year End Planning Checklist for 2020

December 9th, 2020               Matt Bacon 2020 is finally coming to a close and thank goodness! The year may as well have been a Tarantino flick. We can count a global pandemic, millions of deaths, trillions of dollars in global debt, mental depression, social unrest, and a contested US Presidential […]

Converting an IRA to a Roth IRA after age 60

Updated June 9, 2022 Most people hit their peak earning years in their 50s and 60s. Consequently, these also tend to be the peak tax years. On the face of it, converting an IRA to a Roth IRA doesn’t look like an obvious choice. The act accelerates deferred income into the current year and stacks […]