What’s worse than paying taxes? Not paying any taxes at all and wasting a great opportunity.

Suppose 2014 is a year when you’ll have little or no taxable income. Perhaps you’re out of work. Maybe you just retired, and you haven’t yet claimed Social Security or tapped your retirement accounts. Instead, you’ve been dipping into your savings account to buy groceries.

My advice: Before year’s end, take advantage of your low tax bracket by converting part of your traditional individual retirement account to a Roth IRA. It could make your retirement less taxing and your heirs a whole lot happier.

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