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Craig Wear, CFP® argues in favor of aggressive Roth conversions for individuals with large IRAs, recommending owners model multiple tax brackets and timeframes, compare after-tax dollars, and iteratively "massage the numbers." He advises do-it-yourselfers to thoroughly test scenarios and questions advisors who categorically advise against Roth conversions for large IRAs, saying he has not seen cases where large-IRA owners failed to benefit from substantial conversions.

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