How are ROTH conversions giving people more control over their retirement?
▶ Pay Taxes on Your Schedule — Not the IRS’s.
You have more control over your retirement taxes than you might think. A Roth conversion lets you move money from a traditional IRA into a Roth — paying taxes now so you can enjoy tax-free withdrawals later It’s about timing, control, and keeping more of what you’ve earned.
▶ Hedge Against Future Tax Increases
By paying the tax bill now in your current tax bracket, you can protect yourself from potentially higher tax rates in the future.
▶ Take Out Distributions When YOU Choose
Traditional IRAs force you to start withdrawing — and paying taxes — at a certain age. Roth IRAs? No required withdrawals during your lifetime. That means more freedom and more growth for your retirement savings.
▶ Leave a Tax-Free Legacy
With a Roth IRA, your heirs can inherit your account tax-free. That’s not just smart planning — it’s a gift of financial peace of mind.
▶ Flexibility for Social Security or Medicare
Converting to a Roth can be beneficial before you start claiming Social Security or Medicare, as future Roth distributions won’t increase the taxability of those benefits.
Roth conversions can help you manage your taxable income in retirement.
Talk with our advisors about how Roth conversions could help you build retirement flexibility.
Grand Opening at The Rink!
EXPERIENCE THE FUN, MUSIC, AND MAGIC OF ICE SKATING IN ROYAL OAK! M3 is a proud sponsor of The Rink.
Opening November 21st for the 2025-2026 Season. Downtown Royal Oak’s Official Outdoor Skating Rink in Centennial Commons
THE MONTH IN BRIEF
U.S. Markets
Stocks advanced for the sixth consecutive month in October as major averages pushed through a government shutdown and trade jitters. Robust Q3 corporate results drove momentum over a month that is notorious for market declines.
The Standard & Poor’s 500 Index advanced 2.27 percent while the Nasdaq Composite rose 4.70 percent. The Dow Jones Industrial Average gained 2.51 percent. It was the sixth consecutive month of stock market gains.1
1. WSJ.com, October 31, 2025
Advisory Services offered through Capital Analysts or Lincoln Investment, Registered Investment Advisers. Securities offered through Lincoln Investment, Broker/Dealer Member FINRA/SIPC. www.lincolninvestment.com M3 Investment Services and the above firms are independent and non-affiliated.
S&P 500 Index is an index of 500 of the largest exchange-traded stocks in the US from a broad range of industries whose collective performance mirrors the overall stock market. The Dow Jones Industrial Average is a widely watched index of 30 American stocks thought to represent the pulse of the American economy and markets. The NASDAQ is an index that tracks the cumulative results on a market capitalization basis of all stocks trading in the NASDAQ system. Investors cannot invest directly in an index. Past performance is no guarantee of future results. 11/25