It is easy to assume that avoiding taxes is an ideal strategy for managing your retirement account — but it is not ideal for everyone, according to Sean Mullaney and Cody Garrett, the authors of the new book, “Tax Planning To and Through Early Retirement.” - Getty Images Roth IRA conversions are a hot topic, with an aging population and retirees trying to limit their tax burdens. When you contribute to a traditional individual retirement account, 401(k) or 403(b), those amounts aren’t taxed that year, no ...