When one partner spends too much in retirement!

#1: I've been doing a lot of analysis for clients on Roth conversions. The success of the strategy depends on your situation BUT let me be clear it works very well for many people. It's a powerful way to create significantly more future wealth that will be subject to less uncertainty and risk. Note that the strategy can work so well that it's worth paying high tax rates to do it while you're still working. The article on backdoor Roths below is related and a way to shift even more into this powerful structure. 


Backdoor Roth IRA: How It Works and How to Open One

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#2: Do you and your spouse sometimes disagree? See the following article. I've said for a long time that financial planning can be a powerful tool for improving marriages - call it financial counseling. As the article mentions, disagreements about money often aren't about money at their core. Money is tangible and measurable - if you can get together on that, you can measure the progress. And if you can do that, I assert you can do much more. 



What to Do When One Spouse Spends Too Much in Retirement | Kiplinger

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Happy spring,



Donald Gottfried, CLU®, CLTC

Financial Coach 

Profectus Financial Partners

[email protected]

Mobile 617-699-3585

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