Beyond the Hype: Why the "Always Convert" Mentality Could Cost You Your Retirement
Roth conversions have become the darling of modern financial planning. From personal finance blogs to high-level retirement seminars, the message is often delivered with evangelical zeal: move your money from a traditional IRA to a Roth, pay the taxes now, and watch your tax-free growth compound for decades. While the fundamental logic—trading current tax liabilities…
