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Should I Do a Roth Conversion — and When?

Converting Traditional IRAs to Roth IRAs can sometimes help you save on taxes.

Everyone’s retirement horizon, risk tolerance, and lifestyle is different. But almost everyone wants to minimize taxes. If you expect to be in a lower tax bracket this year than you might in future years, a Roth conversion may be worth considering.

The benefits:

• Converting while in a lower tax bracket lets you lock in today’s rates.

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Welcome to our group rETIREMNT FROM PLANING TO ENJOYINGIT! A space for us to connect and share with each other. Start by posting your thoughts, sharing media, or creating a poll.

Comp 💡 What is compound interest?

Your investment firm pays you interest on money held in your money market fund. Right now that is around 4%. If you don’t spend that interest, you then earn compound interest, which isinterest that earns interest. You don’t just earn on your original balance (the principal)—you also earn on the interest added along the way. Over time, this creates exponential growth.

📊 How it works (example at 3.5%):

·         Year 1: $6,000 grows to $6,210 (same for simple or compound).

·         Year 2: Simple interest → $6,420. Compound interest → $6,427.35.

·         After 10 years: Simple interest = $8,100. Compound interest = $8,460.

teaching skills that change lives forever, the Falcone Institute offers comprehensive, heart-centered services designed to help children—and individuals across the neurotypical–neurodiverse spectrum—truly learn how to learn.

Founded by Madeline Falcone, LMFT over 35 years ago, the Institute delivers a holistic merging of psychotherapeutic, psychoeducational, speech-language, and neurocognitive support tailored to each child and family falconeinstitute.com+1. Operating as a “resource of last resort,” they specialize in breaking through when other interventions fall short, offering individualized programs to nurture emotional resilience, executive functioning, communication, and academic confidence falconeinstitute.com+1.

By merging emotional regulation, cognitive strategy, and family dynamics into a cohesive therapeutic journey, Falcone empowers children to build self-advocacy, autonomy, and lifelong learning—creating meaningful transformation in both school and life falconeinstitute.com+1.

How It Benefits Children (and Their Families)

• Personalized, Holistic Care: Programs are custom-built across multiple domains—emotional, cognitive, linguistic, and familial—to fit each child’s unique profile falconeinstitute.com+1.

• Bridging Gaps in Support: Families often come to…

Welcome to our group Family children and other general interest topics! A space for us to connect and share with each other. Start by posting your thoughts, sharing media, or creating a poll.

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Allowance is one of the best tools a parent has to teach a child about money. It’s often the first opportunity for children to learn budgeting, delayed gratification, and how to make smart financial decisions. But how much allowance is enough—and how do you make it count?

🎯 How Much Allowance Is the Right Amount?

Determining the right amount of allowance is critical.

Welcome to our group Smart Money Kids! A space for us to connect and share with each other. Start by posting your thoughts, sharing media, or creating a poll.