Advisers need to let clients thinking about converting a traditional IRA to a Roth know that it could be more expensive if they wait until next year. If the top federal income tax rates of 35% and 33% increase to 39.6% and 36%, respectively, in 2011, clients who convert in 2010 and opt to include the conversion income in 2010 may benefit from the lowest rates they'll ever get.

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