Both our Willow Street & Ephrata offices will be closed from 12pm on Dec. 24 (Christmas Eve) through Dec. 25 (Christmas Day).

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Traditional IRAs/Roth IRAs

If you're planning to convert a traditional IRA to a Roth this year, think again. Future tax rates are key in determining whether a Roth conversion pays off. If your tax rate in retirement will be lower, tax-free payouts are less advantageous.