Key Takeaways Take advantage of lower-tax-bracket years before required minimum distributions begin to do Roth conversions.Beneficiaries’ tax situations can influence whether a conversion makes sense.

The biggest threat to stocks may not be valuations, but the macro forces shaping AI spending and market sentiment.

When someone says they’re retiring because they “hit their number,” my alarm bells go off because it’s often a signal that the retirement plan isn’t as holistic or risk-conscious as ...