Now Might Be a Good Time for a Roth Conversion
One silver lining in the current bear market is that this could be a good time to convert assets from a traditional IRA to a Roth IRA. Converted assets are subject to federal incom
At Davis Capital Management, we operate under a fiduciary standard—meaning we are legally and ethically obligated to act in your best interest. Our goal is simple: help you build and protect your wealth with objective, transparent guidance tailored to your goals.
A fiduciary is a financial advisor who must put your interests ahead of their own. Unlike some advisors who earn commissions for selling certain products, fiduciaries provide advice based on what’s best for you—not what pays them more.
Key differences:
Your investment strategy should be personalized, tax-efficient, and aligned with your long-term goals—not influenced by sales incentives.
With a fiduciary advisor, you get:
Advisors who are not fiduciaries may only need to meet a “suitability” standard—meaning they can recommend products that are okay, even if better options exist.
🚫 This could lead to:
✅ Fiduciary advisors, on the other hand, are always working in your corner.
We’re an independent, fee-only firm guided by fiduciary principles. That means:
Whether you’re planning for retirement, managing a recent windfall, or building long-term security, we’ll help you stay on course—with confidence and clarity.
One silver lining in the current bear market is that this could be a good time to convert assets from a traditional IRA to a Roth IRA. Converted assets are subject to federal incom
The SECURE 2.0 Act, passed in December 2022, made wide-ranging changes to U.S. tax laws related to retirement savings. While some provisions were effective in 2023, others did not
On June 8, 2020, the National Bureau of Economic Research (NBER), which has official responsibility for determining U.S. business cycles, announced that February 2020 marked the en
