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marketwatch.com · Sep 2, 2026

We’re in our 60s. My wife and I have $345,000 in annual pensions and $1 million in 403(b)s. Is it too late for Roth conversions?

We’re in our 60s. My wife and I have $345,000 in annual pensions and $1 million in 403(b)s. Is it too late for Roth conversions?

“Roth assets would provide our children with tax-free distributions.”

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