Almost every article about Roth IRA conversions talks about their tax benefits for people who expect to be in a high tax bracket after they retire, writes Scott Hanson, a senior partner at Hanson McClain Advisors. "What these articles invariably fail to mention is the negative impact that state income taxes could have and why, depending on where you plan to live, a Roth conversion might actually not be the best decision for everyone," he notes.

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