<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[MORRIS & ASSOCIATES]]></title><description><![CDATA[Women-owned boutique CPA firm in Emeryville, California. Morris & Associates serves Bay Area business owners with tax, advisory, and accounting.]]></description><link>https://www.morrisassociatesllp.com/blog</link><generator>RSS for Node</generator><lastBuildDate>Fri, 17 Jul 2026 05:23:15 GMT</lastBuildDate><atom:link href="https://www.morrisassociatesllp.com/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Should You Do Roth Conversions Before You Retire? A Multi-Year Tax Planning Approach]]></title><description><![CDATA[The years between retirement and your first Required Minimum Distribution (aka RMD) can be one of the most valuable tax planning windows of your life. For high earners with significant traditional IRA or 401(k) balances, this window is often the difference between paying tax at 24% now or 32% later, while also paying potentially tens of thousands more in Medicare IRMAA surcharges in your seventies and eighties. The strategy is called Roth conversion. Many people know about it, but the...]]></description><link>https://www.morrisassociatesllp.com/post/roth-conversion-strategy-before-retirement</link><guid isPermaLink="false">6a21af571f44c606b374c57d</guid><pubDate>Thu, 04 Jun 2026 17:16:18 GMT</pubDate><dc:creator>MORRIS &amp; ASSOCIATES, LLP -CPAs</dc:creator></item></channel></rss>