Most financial advisors offer their clients casualIRA advice, which can take severalforms.

The most common form is to integrate IRAs into a client's assetallocation program or portfolio review process. Other forms ofcasual advice include: suggesting conversions from Traditional toRoth IRAs, providing calculations or advice on minimumdistributions, and advising on beneficiary changes.

None of these services typically generate new assets undermanagement, product sales, or commissions – so they are not verylucrative for advisors. However, they can help to build clientrelationships and make clients' retirements more successful.

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