{"id":6910,"date":"2020-04-21T12:56:36","date_gmt":"2020-04-21T17:56:36","guid":{"rendered":"https:\/\/yourlifeafterwork.com\/?page_id=6910"},"modified":"2020-04-28T20:45:40","modified_gmt":"2020-04-29T01:45:40","slug":"rethinking-roth-contribution-and-conversion","status":"publish","type":"page","link":"https:\/\/yourlifeafterwork.com\/education\/rethinking-roth-contribution-and-conversion\/","title":{"rendered":"Rethinking the Roth Contribution and Conversion"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"6910\" class=\"elementor elementor-6910\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e79d92a elementor-section-full_width elementor-section-content-middle elementor-section-height-default elementor-section-height-default\" data-id=\"e79d92a\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7c576c8\" data-id=\"7c576c8\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c100fbc elementor-hidden-phone elementor-widget elementor-widget-image\" data-id=\"c100fbc\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.17.0 - 01-11-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" width=\"721\" height=\"368\" src=\"https:\/\/yourlifeafterwork.com\/wp-content\/uploads\/2020\/04\/triangle-1.png\" class=\"attachment-full size-full wp-image-131\" alt=\"\" srcset=\"https:\/\/yourlifeafterwork.com\/wp-content\/uploads\/2020\/04\/triangle-1.png 721w, https:\/\/yourlifeafterwork.com\/wp-content\/uploads\/2020\/04\/triangle-1-300x153.png 300w\" sizes=\"(max-width: 721px) 100vw, 721px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9253693 elementor-widget elementor-widget-heading\" data-id=\"9253693\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.17.0 - 01-11-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">Reverse Rethinking Roth Contribution and Conversion<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f8524eb elementor-section-content-middle elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"f8524eb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3b07198\" data-id=\"3b07198\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0574662 elementor-widget__width-auto elementor-widget elementor-widget-text-editor\" data-id=\"0574662\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.17.0 - 01-11-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><strong>Listen to this week's episode of<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b8b495 elementor-widget__width-auto elementor-widget elementor-widget-image\" data-id=\"1b8b495\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yourlifeafterwork.com\/wp-content\/uploads\/elementor\/thumbs\/FEG-Consider-This-Logo-onhbo2pnttowp9jsd7mpsaxoourtaj70273zlqz5rc.png\" title=\"FEG-Consider-This-Logo\" alt=\"FEG-Consider-This-Logo\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5af36ca elementor-section-full_width elementor-section-content-middle elementor-section-height-default elementor-section-height-default\" data-id=\"5af36ca\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-8bad4ac\" data-id=\"8bad4ac\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1b1a339 elementor-widget__width-auto elementor-widget elementor-widget-text-editor\" data-id=\"1b1a339\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<!--[if lt IE 9]><script>document.createElement('audio');<\/script><![endif]-->\n<audio class=\"wp-audio-shortcode\" id=\"audio-6910-1\" preload=\"none\" style=\"width: 100%;\" controls=\"controls\"><source type=\"audio\/mpeg\" src=\"https:\/\/yourlifeafterwork.com\/wp-content\/uploads\/02.03.18-Roth.mp3?_=1\" \/><a href=\"https:\/\/yourlifeafterwork.com\/wp-content\/uploads\/02.03.18-Roth.mp3\">https:\/\/yourlifeafterwork.com\/wp-content\/uploads\/02.03.18-Roth.mp3<\/a><\/audio>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b2aa1c elementor-widget elementor-widget-spacer\" data-id=\"6b2aa1c\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.17.0 - 01-11-2023 *\/\n.elementor-column .elementor-spacer-inner{height:var(--spacer-size)}.e-con{--container-widget-width:100%}.e-con-inner>.elementor-widget-spacer,.e-con>.elementor-widget-spacer{width:var(--container-widget-width,var(--spacer-size));--align-self:var(--container-widget-align-self,initial);--flex-shrink:0}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container,.e-con>.elementor-widget-spacer>.elementor-widget-container{height:100%;width:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer{height:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner{height:var(--container-widget-height,var(--spacer-size))}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty,.e-con>.elementor-widget-spacer.elementor-widget-empty{position:relative;min-height:22px;min-width:22px}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon,.e-con>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon{position:absolute;top:0;bottom:0;left:0;right:0;margin:auto;padding:0;width:22px;height:22px}<\/style>\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-887ee0f elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"887ee0f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2be7fa5\" data-id=\"2be7fa5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-36c7dfb elementor-widget elementor-widget-text-editor\" data-id=\"36c7dfb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><p><strong>Understanding the Changes Affecting IRA Accounts<\/strong><br \/>December 20, 2018 changed the thought process around IRA\u2019s as strategic planning tools. Sadly, I\u2019m hearing a lot of commentary about IRA rules that is confusing and sometimes dead wrong. The Roth remains one of the most powerful strategies for helping families navigate their retirement journey.<\/p><p>\u00a0<\/p><p>Two issues factor into today\u2019s confusion about IRA\u2019s. The first issue relates to the annual contributions that may be made regardless of age, provided an individual has earned income (but not too much earned income.) The second issue relates to the conversion option. This option allowed account holders to reallocate money from an existing IRA account into a Roth IRA. The conversion could be made at any age and regardless of how much income the account holder earned. Neither of those things has changed!<\/p><p>\u00a0<\/p><p>What was eliminated was the ability to re-characterize a previous Roth conversion. This option essentially permitted a \u201cdo-over\u201d if you changed your mind because the account\u2019s value declined or some change reduced your taxes. It was the biggest \u201cno brainer\u201d for people who met appropriate criteria. Unfortunately, this window of opportunity was previously overlooked by many families. The re-characterization option is lost starting in 2018. However, you can still do a re-characterization for conversions made in 2017.<\/p><p>\u00a0<\/p><p>The \u201cback door Roth\u201d still exists and should be considered by many families. As always, consult your financial professionals before attempting this process. There are a few tax codes \u2013 including the pro-rata rule \u2013 that are accidentally overlooked. The IRS might empathize, but a lack of knowledge won\u2019t save you on interest and penalties! Re-characterizing an IRA allows you to put money in a non-deductible IRA and later convert those funds to a Roth IRA. Again, please consult with a tax professional.<\/p><p>\u00a0<\/p><p>One planning strategy we love to discuss is using your kids\u2019 and living parents\u2019 tax returns. If you have available resources and are in a higher income tax bracket, this strategy could help fund the taxation and allow other generations to convert their IRA\u2019s to Roth IRA\u2019s.<\/p><p>\u00a0<\/p><p>Most parents of Baby Boomers are in lower tax brackets than their kids. Boomers can make a gift to our parents to help pay the taxes on their IRA\u2019s. With this strategy, the inherited funds will be tax-free to us and our beneficiaries. This is a beautiful strategy to conduct strategic planning while potentially making a significant long term difference to your financial future.<\/p><p>\u00a0<\/p><p>Often younger children change employers and rollover a small 401k into an IRA. The children may not have the funds to do a Roth conversion. But again, parents can make a gift. This is one charitable planning strategy that helps donors\u2019 charities receive more tax-free money. The charities receive taxable dollars that are never taxed! Assuming your kids have earned income, they can contribute your gifted funds to their Roth IRA\u2019s. The Roth hasn\u2019t changed but some of the rules have. Don\u2019t overlook one of the greatest planning tools available.<\/p><\/div><\/div><div class=\"vc_empty_space\">\u00a0<\/div><div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><p><em>Tax advice provided by CPA\u2019s affiliated with Financial Enhancement Group, LLC.<\/em><\/p><p><em>Joseph Clark is a Certified Financial PlannerTM and the Managing Partner of Financial Enhancement Group, LLC an SEC registered Investment Advisor. He is the host of \u201cConsider This\u201d found on 98.7 The Song and WIBC Saturday mornings as well as three other Indiana-based radio stations. Joe has served as an Adjunct Assistant Professor at Purdue University where he taught the capstone course for a degree in Financial Counseling and Planning. Securities offered through World Equity Group, Inc., member FINRA\/SIPC, a broker dealer and SEC registered Investment Advisor. Advisory Services can be provided by Financial Enhancement Group (FEG) or World Equity Group. FEG and World Equity Group are separately owned and operated and are not affiliated. Joe can be reached at bigjoe@yourlifeafterwork.com, or (765) 640-1524.<\/em><\/p><\/div><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Reverse Rethinking Roth Contribution and Conversion Listen to this week&#8217;s episode of Understanding the Changes Affecting IRA AccountsDecember 20, 2018 changed the thought process around IRA\u2019s as strategic planning tools. Sadly, I\u2019m hearing a lot of commentary about IRA rules that is confusing and sometimes dead wrong. The Roth remains one of the most powerful [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":6898,"menu_order":113,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_mo_disable_npp":"","footnotes":""},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Rethinking the Roth Contribution and Conversion - The Financial Enhancement Group<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/yourlifeafterwork.com\/education\/rethinking-roth-contribution-and-conversion\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Rethinking the Roth Contribution and Conversion - The Financial Enhancement Group\" \/>\n<meta property=\"og:description\" content=\"Reverse Rethinking Roth Contribution and Conversion Listen to this week&#039;s episode of Understanding the Changes Affecting IRA AccountsDecember 20, 2018 changed the thought process around IRA\u2019s as strategic planning tools. Sadly, I\u2019m hearing a lot of commentary about IRA rules that is confusing and sometimes dead wrong. 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