Some financial advisers have been quoted as saying that owners of traditional defined contribution retirement accounts should consider converting them to Roth retirement accounts in 2020 due partially to the effects of Covid-19. Explain what a Roth conversion is and why 2020 might be a good year. Limit your answer to 400 words. Provide at least 3 references. This essay is open form, although good composition and punctuation is important.
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