For high earners who have contributed the maximum to tax-deferred accounts such as 401(k)s, additional savings that can grow tax-free may make sense, even if they don’t reduce taxes in the year in which you contribute. The Roth IRA isn’t usually associated with high earners. Still, there is a way to provide the advantages of tax-free growth and tax-free withdrawals in retirement, even if you are over the income limits. An IRS loophole that allows for investment account conver

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