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Deep & Emerging Tech·August 15, 2026·1 min read

I’m 63, a retired CPA with a $1.2 million 401(k). Do I need to bother with a Roth conversion?

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Even a retired CPA questioning Roth conversions shows how opaque tax-advantaged drawdown decisions remain for most people. Fintech builders still have a wide-open lane to productize personalized tax planning rather than just asset allocation.