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If you are confident that you have excess capital beyond your retirement and life-spending needs, you may use a Roth IRA for estate planning.
Roth IRA conversions have gained popularity, thanks to the removal of the income cap on conversions several years ago. A Roth IRA allows your principal and earnings to grow completely tax-free, because contributions are made to a Roth IRA after tax.
Putting away part of every paycheck for your future is a powerful way to set yourself up for financial success. If you have a 401(k),
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