tax

Roth Conversion Strategy & Retirement Income Ladder

For NRIs living in the United States, retirement planning isn’t just about saving, it’s about controlling how and when income is taxed. Roth conversions and withdrawal sequencing are two advanced strategies that help reduce lifetime tax liability, preserve Medicare and Social Security benefits, and create flexibility across borders. What Is a Roth Conversion? A Roth […]

Unlocking the Roth and Mega Backdoor

Roth accounts are among the most powerful tools in retirement planning. They offer tax-free growth, tax-free withdrawals, and no required minimum distributions (RMDs) during the account holder’s lifetime. However, income limits and contribution caps can restrict access, unless you know how to navigate the backdoor and mega backdoor Roth strategies. The Strategic Value of Roth […]

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