Roth IRAs are getting a lot of attention these days. I get a lot of questions about how to use a Roth IRA in an estate plan if you want to take advantage of tax-free growth your account will enjoy when you leave it to your children or grand children.  Some retirees convert their IRAs to Roths even if they’re not convinced the move will pay off for them. Why? It will almost certainly pay off for their heirs. A Roth Read More