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  1. The case for Roth IRA conversions for high-income clients

    Paying tax now, on today's balance, may be preferable to paying future tax on a much larger sum, year after year.

  2. Backdoor Roth IRA ? Avoid These 6 Mistakes

    These errors can jack up tax--and opportunity--costs.

  3. Want Another Shot at a 'Backdoor' Roth IRA ?

    There's a workaround for some high-income investors with sizable Traditional IRA balances.

  4. Don't have a 401(k) at work? Starter retirement accounts go live

    Don't have a 401(k) at work? Starter retirement accounts go live

  5. Reasons to Consider a Roth IRA

    Business model propels Regency.

  6. Basic Rules for Inheriting a Roth IRA

    A fully-qualified inherited Roth IRA is the holy grail of estate planning because Roth distributions on inherited Roth IRA ’s are completely income-tax free in accordance to regular Roth IRA rules , giving them a major advantage of an inherited Traditional IRA or 401k, and surviving spouses can elect to treat the inherited Roth IRA as their own, meaning no required minimum distributions (RMDs). However, inherited Roth’s do unfortunately count for estate tax purposes. In regard to paying income tax, there are two exceptions that can effect the tax-ability of the Roth IRA after the death of the account holder: As a rule, the 10% penalty for early distribution does not apply in this case, unless the spouse of the deceased opts to handle the Roth IRA as his or her account and then takes an early withdrawal

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