Reasons to Do Roth Conversions in Peak Earnings Years | Tradeoffs of Repealing the Death Tax | The 1031 Exchange Rules You Need to Know

Which Side of the Financial Divide Are You On? | The 1031 Exchange Rules You Need to Know | Reasons to Do Roth Conversions in Peak Earnings Years Created for {EMAIL} | [Web Version]( August 14, 2024 CONNECT WITH KIPLINGER  [LinkedIn]( [Facebook]( [X]( [Building Wealth]( [Youtube]( [Building Wealth]( [SIGN UP]( ⋅ [WEBSITE]( [] Personal Finance [] [Which Side of the Financial Divide Are You On?]( [Which Side of the Financial Divide Are You On?]( (Getty Images) People who are already doing well are seeing their wealth continue to grow. The rest [could use a little help](, and according to financial planner Greg Ward, financial coaches could be just the ticket. [] Taxes [] [The 1031 Exchange Rules You Need to Know]( [The 1031 Exchange Rules You Need to Know]( (Getty Images) Taxes are an inevitable part of real estate investing. You can, however, [defer or avoid paying capital gains taxes]( by following some simple 1031 exchange rules, outlined here by real estate investing expert Daniel Goodwin. [Attention Income Investors, Learn How to Generate Dividend Yields of 10%]( The average annual return of commercial real estate over 20 years is roughly 9.5%, nearly 1% greater than the S&P 500's average annual return of 8.6%. The CRE Income Fund pays an annual 10% dividend yield and is a long-term strategy that returns over $25,000 for every $10,000 invested over the next ten years. [READ MORE]( ADVERTISEMENT [] Saving for Retirement [] [Reasons to Do Roth Conversions in Peak Earnings Years]( [Reasons to Do Roth Conversions in Peak Earnings Years]( (Getty Images) It might seem counterintuitive, but there are scenarios in which it would make sense to [lock in lower marginal tax rates](. Financial planner Evan T. Beach goes over three of those scenarios. Featured Content Sponsored Content from Kiplinger Advisor Collective [Expand Your Influence in the Financial Industry]( Join the Kiplinger Advisor Collective: the ultimate platform for financial experts. Network, build your brand, and share your expertise with readers. [Inquire Now]( [] Family Matters [] [How to Help Your Kids Inherit More Than Just Your Money]( When you're gone, you want your heirs to be happy and successful and for your life's legacy to live on. Financial adviser Steve Lockshin shares how creative estate planning can help with all of that. [Read More]( [Earn Money While You Travel]( Discover how to make the most of your money while traveling. Avoid unnecessary fees, get the best exchange rates, and earn rewards on every purchase. Ensure financial peace of mind wherever you go with global support. [Learn More]( ADVERTISEMENT [] Estate Planning [] [Repeal the Death Tax? These Are the Taxing Trade-Offs]( Getting rid of the death tax (aka the estate tax) might sound like a great idea, but estate planning lawyer Rustin Diehl explains how more people could pay higher taxes under the capital gains tax regime. [Read More]( [6 Things Not to Do When Selecting a Financial Advisor]( Working with a financial advisor can be a great first step to helping make sure you're on track to reach your retirement goals. But choosing the wrong one could wreak havoc. Check out these 6 things not to do when choosing a financial advisor, so you can work to potentially avoid years of stress. [See the list]( ADVERTISEMENT [] RELATED KIPLINGER ARTICLES WE THINK YOU'LL ENJOY [] [Three ways you can create a healthy relationship with money]( Understanding the why of your decisions, balancing needs vs wishes and looking at money as a resource rather than something to be accumulated can reshape your money beliefs. [Top five benefits of peer-to-peer lending]( Flexibility of terms and fast application processing are just two of the perks of P2P lending over traditional lending. [How high interest rates enhance a type of charitable trust]( Before interest rates are cut, potential donors might want to consider a CRAT, which optimizes benefits for both the donor and the charity when rates are higher. For the latest ways to earn 5% to 7% cash yield safely and reliably, plus 4 Model Portfolios to show you exactly where to put your money, bank on [Kiplinger Investing for Income](. ABOUT KIPLINGER When we write about money, we get it right. So the decisions you make with your dollars are also right. Kiplinger is a trusted provider of unbiased financial advice, objective business and economic forecasts, and practical help to millions of business professionals, investors, and individuals seeking to make more profitable decisions with their money. 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