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E. Kansas | Totally agree on the down market as best time to convert. Trouble is, we can't just turn back the clock to March 2020 levels if we want, or know for sure if those levels might occur again before 2026. It might be good to already have a plan to possibly make a conversion if a significant downturn happened. Conversion possibility wiith retirement sales occurring, that's just some things to evaluate and see what might be best and would vary for each individual.
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