Are You a Bad Money Role Model?, Why Early Roth Conversions Pay Off, Top Dividend Paying Stocks

Why Roth IRA Conversions Early in Retirement Pay Off | Estate Planning Red Flags for Estranged Families to Avoid | 67 Best Dividend Stocks for Dependable Dividend Growth Created for {EMAIL} | [Web Version]( August 24, 2023 CONNECT WITH KIPLINGER  [LinkedIn]( [Facebook]( [Twitter]( [Youtube]( [Instagram]( [Retirement Tips]( [SIGN UP]( ⋅ [WEBSITE]( [] Taxes [] [Why Roth IRA Conversions Early in Retirement Pay Off]( [Why Roth IRA Conversions Early in Retirement Pay Off]( (Getty Images) Retirees could cut their lifetime tax burden as well as minimize taxes' impact on the long-term wealth of their heirs. Mel Casey, CFA, explains how to [execute Roth conversions very "cheaply"]( in years when income is low. [] Estate Planning [] [Estate Planning Red Flags for Estranged Families to Avoid]( [Estate Planning Red Flags for Estranged Families to Avoid]( (Getty Images) It's your money, and you decide how to pass it on, but when family tension is involved, it's better to explain your plan rather than force your kids to live with the aftermath. David Handler, J.D., and insurance expert Howard Sharfman recommend honesty as the best policy to [avoid ill will and even litigation](. [8 Must Know Questions About CD Ladders]( CDs tend to pay higher interest rates than what you can earn on other deposit accounts. Laddering takes the guesswork out of where rates are headed. [READ MORE]( ADVERTISEMENT [] Investing [] [67 Best Dividend Stocks for Dependable Dividend Growth]( [67 Best Dividend Stocks for Dependable Dividend Growth]( (Getty Images) The highest yield isn't everything when it comes to finding the best dividend stocks. Income investors know there's no substitute for [regular dividend increases over the long haul](. [] Generations [] [Are You the Worst Money Role Model for Your Kids?]( [Are You the Worst Money Role Model for Your Kids?]( (Getty Images) The answer is probably a resounding yes. Does that seem harsh? Financial literacy expert Neale Godfrey provides a [reality check for parents]( trying to educate their children on managing their finances. [Unlocking Generational Wealth - Owning Innovative Companies for the Long Run]( In today's rapidly evolving financial landscape, generating lasting wealth requires a strategic approach that goes beyond short-term gains. Join SAM Chief Investment Officer Austin Root and Stansberry Research's Matt McCall as they share their insights on the power of investing in innovative companies with a long-term perspective. This live webinar will reveal how we identify promising opportunities that have the potential to grow over time. [REGISTER NOW]( ADVERTISEMENT Featured Content Sponsored Content from Kiplinger's Retirement Report [Don't run out of money in your retirement.]( Get a [FREE ISSUE]( of Kiplinger's Retirement Report for proven ways to safeguard your savings against taxes and inflation, maximize Social Security and Medicare benefits, preserve and protect your estate, make the right move with your 401(k), IRA, RMDs, get the best health care and insurance at the best price, and much more. [CLICK HERE]( [] Looking Ahead [] [How Today's Retirement Trends Shape Tomorrow's Retirees]( [How Today's Retirement Trends Shape Tomorrow's Retirees]( (Sean Gallup/Getty Images) Today's retirement planning is harder than in the past, due to the expectation of dramatic changes by the time you finally retire. ValueWalk CEO Jacob Wolinsky outlines how the [retirement savings industry could shift significantly]( as soon as 2030. [Are You Financially Supporting Adult Children?]( Sandwiched adults can often forget about their own financial needs while caring for children and aging parents. Discover financial and emotional tips to help you navigate as a member of the Sandwich Generation. [READ MORE]( ADVERTISEMENT [] Retirement Planning [] [Four Things Gen Xers Can Do Now to Reach Retirement Goals]( [Four Things Gen Xers Can Do Now to Reach Retirement Goals]( (Getty Images) Gen Xers have realized that retirement is a lot closer than it used to be. Kelly LaVigne, J.D., suggests four moves to mitigate risks now and [support a secure financial future](. ABOUT KIPLINGER When we write about money, we get it right. So the decisions you make with your dollars are also right. 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