Preparing for retirement is more than just the dollar and cents. You'll need to experiment, set boundaries, and fight boredom that first year, so be ready!

Five demographics who should consider a Roth IRA Conversion: Recent retirees, individuals in poor health with a looming estate tax bill, families who plan to leave a legacy to heirs, business owners with abnormally low taxable income for one year, and anyone who wants to limit their lifetime tax bill