When I meet with families at Manna Wealth Management, this question comes up a lot: “David, should I convert my IRA to a Roth?” It’s a fair question, and the truth is—there’s no one-size-fits-all answer. Sometimes it makes a lot of sense. Other times, it’s not the...
When people think about passing on wealth, they often imagine it happening after they’re gone. Whether you live in Boca Raton, Tampa, or anywhere along Florida’s beautiful coast, chances are you’ve worked hard to build your wealth. And if you’re like many...
What to Do with an Old 401(k) or TSP After Job Loss Losing a job can feel like the rug’s been pulled out from under you—but your long-term financial security doesn’t have to go with it. If you’ve recently been laid off or left your employer, one of the most important...
At Manna Wealth Management, we’ve spent decades guiding clients through every stage of life. One of the most common patterns we see? Costly financial missteps that could have been avoided with a little foresight and expert guidance. Whether you’re in your 40s,...
our 40s and 50s are often your peak earning years—and also a critical time to make sure your financial plan is working for you, not against you. With retirement looming closer and life expenses still running high, it’s easy to make decisions now that can...
Understanding Backdoor Roth IRAs and Mega Backdoor Roths If you’re a high-income earner looking to maximize your retirement savings and reduce long-term tax exposure, you’ve likely run into income limits that restrict contributions to a Roth IRA....
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