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  1. Dgalmore30

    Switzerland - September 2023

    Suggestion for something to do Switzerland is wonderful. I think one of my favorite things was taking the train to The Trümmelbach Falls. Such an unusual natural wonder. I also am a big fan of books so enjoyed the Abbey Library of St Gallen.
  2. Dgalmore30

    SEP or Roth Conversion

    Thank you for the insights. I have done some projecting, but not enough to be confident to make the comparison runningbum suggests. I will do a bit more work to better estimate the future. Im 55 now, married, with a IRA portfolio of 1.8 mil and brokerage of 250k, a townhome we use as a rental...
  3. Dgalmore30

    SEP or Roth Conversion

    Hi. Situation: I started a new business this year and thus my income was drastically lower as I worked through launch. It has put myself and my husband into a much lower tax bracket than we are used to. I am leaning toward taking some of my cash flow and putting into a Roth conversion (to pay...
  4. Dgalmore30

    Wine Clubs

    I belong to specific producers that I like. I have a wine cellar so it’s a way for me to stock up on wines I like at a discount. Since we are fans of bold reds, we can cellar them and appreciate them as they age and mature. I also the get some of the small batch club exclusive wines that show...
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