Quick financial planning is not just quick, it’s quick and fill in the blank. There are too many first-order factors involved in decisions — like when and how much to Roth convert — to expect remotely correct guidance from calculators that don’t request your full financial details. This is like getting a diagnosis from a physician who doesn’t bother to look at your medical records or order proper tests. Even doctors (financial tools) who have all the right inputs can do the wrong thing. Medical malpractice is the third leading cause of death in our country...

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