Roth accounts are an effective retirement planning vehicle: not only do they allow for tax-free growth, but they can also reduce your future tax burden on your retirement income. When it comes to maximizing the benefits of a Roth account, timing is everything, and according to financial news outlets, now is the ideal time for a Roth conversion.

The timing may be right for the average retirement saver to perform a Roth conversion, but that does not necessarily mean it is right for you. 

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