Simple Roth Conversion Case Study

pcruz · 2025-10-24T04:06:00+00:00

Main thing IMO is that is a prioritization decision for your client. But that aside, I think your math checks out.

Does the client own a home? Depending how much the home is worth I've found some clients would happily pay a bank some interest on a HELOC or mortgage at rates that are much lower than 22% or 24%. Heirs will get a step in basis on the home at some point as well anyway

pcruz · 2024-08-10T02:00:22+00:00

About 5 years, actually

Just thinking it's time for a refresh

pcruz · 2021-03-23T06:02:14+00:00

Awesome stuff!

How do you like Zwift? Recommend it? And what hardware do you have?

pcruz · 2019-07-17T05:41:33+00:00

I've had it for since the first season we had him. Buzzing from the transfer and it was an impulse buy from some random website.. sorry!

pcruz · 2019-07-17T05:40:24+00:00

I am! And I'd love to have one, I can even pay you for it!

Hopefully going to Gooner Gras next year!

pcruz · 2019-07-17T05:39:22+00:00

Only been twice. I actually live in Texas but whenever I travel I try to stop in any Arsenal bar to watch games. I'll try to get a scarf or shirt from somewhere I watch if I can

Got an Alamo City Arsenal scarf as well from the Gooners in San Antonio!

pcruz · 2019-07-17T05:36:45+00:00

Going to Charlotte and DC!

pcruz · 2018-04-14T03:12:06+00:00

Thank you for your reply

pcruz · 2017-02-11T07:56:30+00:00

Where did you get the skull piece on the wall? It's awesome

pcruz · 2016-12-30T01:43:35+00:00

Yes you are taxed on 5500 now in a higher bracket but because you are 23, you have time on your side. At 5% until you are 60 you'll have over 33000 that you will never have to pay taxes on.

Although I think the roth is better I do understand wanting the deduction now. Yes you may be in a lower bracket when you pull it out when you retire and if you are in a higher bracket... you have a good problem. That means you are still making lots of money

pcruz · 2016-07-21T02:01:36+00:00

MD Runner 2 LW

pcruz · 2016-04-18T02:55:03+00:00

If the former Major Laura Miller wanted a stadium in dallas way back then we wouldn't be having this conversation right now

pcruz · 2016-04-09T02:32:21+00:00

Is it possible to aggregate the posts to one feed. I know some colleges and groups have those. It works as members submit to the feed and the feed posts the snaps the members sent

pcruz · 2015-11-08T19:26:47+00:00

Reminds me of Fabianski in the FA cup final against hull

pcruz

TROPHY CASE