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James DiLellio Explores Optimal Strategies for Roth Conversions in Retirement Planning

Pepperdine Graziadio faculty member James A. DiLellio, along with co-authors Philip M. Goldfeder and Edward F. McQuarrie, published research on the intricacies of retirement. Titled "Optimal decisions under price dynamics for Roth conversions," the study explores the strategic choices retirees face regarding Roth conversions and their implications for retirement lifestyle and estate planning. 

The authors provide valuable insights into how investment returns influence the payoff of Roth conversions, emphasizing the importance of considering factors such as taxable account assets and unrealized gains in estate planning. Their findings offer actionable recommendations for retirees and financial technology companies seeking to optimize Roth conversion strategies, underscoring the significance of informed decision-making in retirement planning.

With retirement planning becoming increasingly complex, the research conducted by DiLellio and co-authors sheds light on a critical aspect of financial decision-making for retirees. By quantifying the payoff of Roth conversions and analyzing their dependence on investment returns, the study offers practical guidance for navigating the complexities of retirement planning. 

As millions of individuals grapple with decisions regarding their retirement savings, the insights provided by this research are invaluable for both retirees and financial advisors alike, paving the way for more informed and optimized retirement strategies in the future.

Read more here.