If you think the United States has a retirement crisis, you are not alone. A recent survey found that 79% of working-age Americans believe the same thing.

Many retirees are familiar with Roth individual retirement accounts (IRAs) and their advantages. But for those high-income earners who have decided against a Roth conversion, there may be some enticing benefits you have overlooked.

One of the main goals we all share is to retire one day. However, many people have certain misconceptions that stand in the way of preparing for retirement. When planning for the day you no longer must work ever again, it is important to have the correct information for your situation.