{"id":4859,"date":"2017-01-05T20:30:44","date_gmt":"2017-01-05T20:30:44","guid":{"rendered":"http:\/\/schadlerfinancial.com\/?page_id=4859"},"modified":"2024-08-28T05:33:26","modified_gmt":"2024-08-28T05:33:26","slug":"roth-ira-conversions","status":"publish","type":"page","link":"https:\/\/ohiogrowthassociation.com\/?page_id=4859","title":{"rendered":"Roth IRA Conversions"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"4859\" class=\"elementor elementor-4859\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3bfb4d4c elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3bfb4d4c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5bd6195d\" data-id=\"5bd6195d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-76212d37 elementor-widget elementor-widget-heading\" data-id=\"76212d37\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Roth IRA Conversions<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a3ca85c elementor-widget elementor-widget-shortcode\" data-id=\"3a3ca85c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class=\"ast-breadcrumbs-wrapper\">\n\t\t\t<div class=\"ast-breadcrumbs-inner\"><nav role=\"navigation\" aria-label=\"Breadcrumbs\" class=\"breadcrumb-trail breadcrumbs\" ><div class=\"ast-breadcrumbs\"><ul class=\"trail-items\" ><li  class=\"trail-item trail-end\"><span><a href=\"https:\/\/ohiogrowthassociation.com\" rel=\"home\"><span >Home<\/span><\/a><\/span><\/li><\/ul><\/div><\/nav><\/div>\n\t\t<\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-56b5e87b elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"56b5e87b\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2c53f0d7 elementor-invisible\" data-id=\"2c53f0d7\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-22edd7df elementor-widget elementor-widget-heading\" data-id=\"22edd7df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Roth IRA Conversions\u2500Do They Make Sense?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1003742 elementor-widget elementor-widget-heading\" data-id=\"1003742\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">The Answer Will Shock You!<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28b15230 elementor-widget elementor-widget-text-editor\" data-id=\"28b15230\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you would like to know if a Roth IRA conversion makes sense for <span style=\"color: #000000;\"><em>your individual situation<\/em><\/span>, please <a href=\"mailto:info@itsyourwealth.net \"> click here to email us<\/a> or phone <span style=\"color: #000000;\">888-435-6030 <\/span> and set up a time to come in and have your numbers calculated. We have <span style=\"text-decoration: underline;\"><span style=\"color: #000000;\"><em>proprietary conversion software<\/em><\/span><\/span> so we can tell you in a matter of minutes if converting will make sense. To sign up for a free consultation or to just get more information <a href=\"https:\/\/johnd179.sg-host.com\/contact\"> click here<\/a>.<\/p><p>It\u2019s simply when you convert a traditional tax-deferred IRA to a Roth IRA where, once converted, the money is allowed to grow tax-free and come out tax-free. <span style=\"color: #000000;\"><span style=\"text-decoration: underline;\"><span style=\"color: #ff0000; text-decoration: underline;\">Income taxes<\/span><\/span> <span style=\"text-decoration: underline;\">are due on ALL of the money in the IRA at the time of conversion<\/span><\/span>. If you convert before age 59.5, the normal 10% penalty for early withdrawal is waived so long as you wait 5 years before taking money out of the new Roth IRA and are over 59.5 when taking withdrawals.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-205af0a3 elementor-widget elementor-widget-heading\" data-id=\"205af0a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Should you convert your traditional IRA to a Roth IRA?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4da50933 elementor-widget elementor-widget-text-editor\" data-id=\"4da50933\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The answer depends. On what? More variables than you can shake a stick at (which is why we use proprietary software to calculate the number).<\/p><p style=\"text-align: center;\"><span style=\"color: #000000;\"><em>As a general statement that, if you are in the same or lower tax bracket when in retirement,<br \/>converting to a Roth IRA is <span style=\"color: #ff0000;\">NOT<\/span> going to make economic sense. <\/em><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd5b160 elementor-widget elementor-widget-heading\" data-id=\"bd5b160\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Examples<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa3b2c8 elementor-widget elementor-widget-text-editor\" data-id=\"aa3b2c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The best way to get the point across is with examples. For the examples, we will convert a $500,000 IRA. We used a 1.2% average mutual fund expense on the money in the IRA and a 7% annual rate of return. We will have the clients take income at age 70 for 15 years. We assumed the clients file taxes as married filing jointly and live in a state with NO income tax.<\/p><p>1) <span style=\"text-decoration: underline;\"><span style=\"color: #000000; text-decoration: underline;\">Paying income taxes from the IRA<\/span><\/span>\u2014This example is for someone who does not have \u201cother money\u201d to pay the income taxes due when converting the traditional IRA to a Roth IRA.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49043d2 elementor-widget elementor-widget-image\" data-id=\"49043d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" data-src=\"https:\/\/ohiogrowthassociation.com\/wp-content\/uploads\/2018\/11\/roth-chart1.jpg\" data-srcset=\"https:\/\/ohiogrowthassociation.com\/wp-content\/uploads\/2018\/11\/roth-chart1.jpg 718w, https:\/\/ohiogrowthassociation.com\/wp-content\/uploads\/2018\/11\/roth-chart1-600x128.jpg 600w\" width=\"718\" height=\"153\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" class=\"attachment-full size-full wp-image-6289 lazyload\" alt=\"\"  sizes=\"(max-width: 718px) 100vw, 718px\" \/><noscript><img decoding=\"async\" width=\"718\" height=\"153\" src=\"https:\/\/ohiogrowthassociation.com\/wp-content\/uploads\/2018\/11\/roth-chart1.jpg\" class=\"attachment-full size-full wp-image-6289\" alt=\"\" srcset=\"https:\/\/ohiogrowthassociation.com\/wp-content\/uploads\/2018\/11\/roth-chart1.jpg 718w, https:\/\/ohiogrowthassociation.com\/wp-content\/uploads\/2018\/11\/roth-chart1-600x128.jpg 600w\" sizes=\"(max-width: 718px) 100vw, 718px\"><\/noscript>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb61e97 elementor-widget elementor-widget-text-editor\" data-id=\"fb61e97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The above charts make it clear that, if you are planning to use the money from your IRA to pay the income taxes for the conversion, it\u2019s going to make little sense to convert. We assumed the example client would be in the <span style=\"text-decoration: underline;\"><span style=\"color: #000000; text-decoration: underline;\">same income tax bracket in retirement<\/span><\/span>.<\/p><p>2) <span style=\"text-decoration: underline;\"><span style=\"color: #000000; text-decoration: underline;\">Paying taxes due on conversion from \u201cother\u201d non-IRA sources<\/span><\/span>\u2014the following examples assume that there are sufficient \u201cother funds\u201d (cash in the first example) that can be used to pay the income taxes upon conversion (so all of the money upon conversion can stay in the new Roth IRA to grow and come out tax-free).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87dc24a elementor-widget elementor-widget-image\" data-id=\"87dc24a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" data-src=\"https:\/\/ohiogrowthassociation.com\/wp-content\/uploads\/2018\/11\/roth-chart2.jpg\" data-srcset=\"https:\/\/ohiogrowthassociation.com\/wp-content\/uploads\/2018\/11\/roth-chart2.jpg 710w, https:\/\/ohiogrowthassociation.com\/wp-content\/uploads\/2018\/11\/roth-chart2-600x127.jpg 600w\" width=\"710\" height=\"150\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" class=\"attachment-full size-full wp-image-6288 lazyload\" alt=\"\"  sizes=\"(max-width: 710px) 100vw, 710px\" \/><noscript><img loading=\"lazy\" decoding=\"async\" width=\"710\" height=\"150\" src=\"https:\/\/ohiogrowthassociation.com\/wp-content\/uploads\/2018\/11\/roth-chart2.jpg\" class=\"attachment-full size-full wp-image-6288\" alt=\"\" srcset=\"https:\/\/ohiogrowthassociation.com\/wp-content\/uploads\/2018\/11\/roth-chart2.jpg 710w, https:\/\/ohiogrowthassociation.com\/wp-content\/uploads\/2018\/11\/roth-chart2-600x127.jpg 600w\" sizes=\"(max-width: 710px) 100vw, 710px\"><\/noscript>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45b6a27 elementor-widget elementor-widget-text-editor\" data-id=\"45b6a27\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tThe following is if the client had to <span style=\"text-decoration: underline;\"><span style=\"color: #000000; text-decoration: underline;\">sell stock with a $50,000 basis<\/span><span style=\"color: #000000; text-decoration: underline;\"> to pay the tax<\/span><\/span> and where the mix of <span style=\"color: #000000;\"><span style=\"text-decoration: underline;\">long-term and short-term capital gains taxes upon the sale is 50%<\/span>.<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e1868c elementor-widget elementor-widget-image\" data-id=\"2e1868c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" data-src=\"https:\/\/ohiogrowthassociation.com\/wp-content\/uploads\/2018\/11\/roth-chart3.jpg\" data-srcset=\"https:\/\/ohiogrowthassociation.com\/wp-content\/uploads\/2018\/11\/roth-chart3.jpg 707w, https:\/\/ohiogrowthassociation.com\/wp-content\/uploads\/2018\/11\/roth-chart3-600x131.jpg 600w\" width=\"707\" height=\"154\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" class=\"attachment-full size-full wp-image-6287 lazyload\" alt=\"\"  sizes=\"(max-width: 707px) 100vw, 707px\" \/><noscript><img loading=\"lazy\" decoding=\"async\" width=\"707\" height=\"154\" src=\"https:\/\/ohiogrowthassociation.com\/wp-content\/uploads\/2018\/11\/roth-chart3.jpg\" class=\"attachment-full size-full wp-image-6287\" alt=\"\" srcset=\"https:\/\/ohiogrowthassociation.com\/wp-content\/uploads\/2018\/11\/roth-chart3.jpg 707w, https:\/\/ohiogrowthassociation.com\/wp-content\/uploads\/2018\/11\/roth-chart3-600x131.jpg 600w\" sizes=\"(max-width: 707px) 100vw, 707px\"><\/noscript>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29293c4 elementor-widget elementor-widget-heading\" data-id=\"29293c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Going up in income tax brackets in retirement<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd91b5b elementor-widget elementor-widget-text-editor\" data-id=\"bd91b5b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Many people think that income taxes will rise in the coming years. While no one has a crystal ball, we wanted to let you know that if your income tax bracket is higher in retirement, the numbers supporting a Roth Conversion are increased. If you take the last chart and assume the client\u2019s <span style=\"text-decoration: underline;\"><span style=\"color: #000000; text-decoration: underline;\">income tax rate went up to 35%<\/span><\/span> in retirement, the percentage difference in how much after-tax income would be available would look as follows: age 65: <span style=\"color: #000000;\">+1.01%<\/span>; 60:<span style=\"color: #000000;\">+2.88%<\/span>; 60: <span style=\"color: #000000;\">+4.77%<\/span>; 50: <span style=\"color: #000000;\"><strong>+6.59%<\/strong><\/span>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4139562 elementor-widget elementor-widget-heading\" data-id=\"4139562\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Summary<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a844ff elementor-widget elementor-widget-text-editor\" data-id=\"3a844ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The theory of a converting a traditional IRA to a Roth sounds great when you think about it really quickly (pay taxes now so money can grow for years tax-free and come out tax-free in retirement). However, when you factor in ALL the needed variables, you will find that unless you plan on being in a higher (or much higher) income tax bracket in retirement, converting your traditional IRA to a Roth IRA will make little economic sense.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60e4f195 elementor-widget elementor-widget-icon-box\" data-id=\"60e4f195\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tIf you would like to know if a Roth IRA conversion makes sense for <span style=\"color: #000000\"><em>your individual situation<\/em><\/span>, please <a href=\"\/set-a-virtual-consultation\/\">click here to sign up for a free virtual consultation<\/a>.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-683a0bc9 elementor-invisible\" data-id=\"683a0bc9\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-00030a8 elementor-widget elementor-widget-template\" data-id=\"00030a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"23893\" class=\"elementor elementor-23893\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<div class=\"elementor-section elementor-top-section elementor-element elementor-element-ad6f994 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ad6f994\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b0959eb elementor-invisible\" data-id=\"b0959eb\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0e8011c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0e8011c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-7d23502\" data-id=\"7d23502\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-eb26fe0 elementor-widget elementor-widget-heading\" data-id=\"eb26fe0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FINANCIAL LITERACY COURSE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-688264e elementor-widget elementor-widget-image\" data-id=\"688264e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" data-src=\"https:\/\/ohiogrowthassociation.com\/wp-content\/uploads\/2020\/08\/Financial-Literacy-Course-275.png\" width=\"275\" height=\"410\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" class=\"attachment-full size-full wp-image-7321 lazyload\" alt=\"\" \/><noscript><img loading=\"lazy\" decoding=\"async\" width=\"275\" height=\"410\" src=\"https:\/\/ohiogrowthassociation.com\/wp-content\/uploads\/2020\/08\/Financial-Literacy-Course-275.png\" class=\"attachment-full size-full wp-image-7321\" alt=\"\"><\/noscript>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-030e2c0 elementor-widget elementor-widget-heading\" data-id=\"030e2c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Education<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45cac5b elementor-nav-menu--dropdown-none elementor-widget elementor-widget-nav-menu\" data-id=\"45cac5b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;vertical&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;i class=\\&quot;fas fa-caret-down\\&quot; aria-hidden=\\&quot;true\\&quot;&gt;&lt;\\\/i&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;}}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-vertical e--pointer-text e--animation-none\">\n\t\t\t\t<ul id=\"menu-1-45cac5b\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23545\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=7319\" class=\"elementor-item menu-link\">Financial Literacy Course<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23543\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=23118\" class=\"elementor-item menu-link\">App Central<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23559\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6219\" class=\"elementor-item menu-link\">Tax-Planning<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23548\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6271\" class=\"elementor-item menu-link\">IRAs and Roth IRAs<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23546\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=7160\" class=\"elementor-item menu-link\">Fixed Indexed Annuities<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23547\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6195\" class=\"elementor-item menu-link\">Guaranteed Income for Life<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23549\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4904\" class=\"elementor-item menu-link\">Life Insurance Made Easy<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23553\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6756\" class=\"elementor-item menu-link\">Safe Money Tools<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23554\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4813\" class=\"elementor-item menu-link\">Retirement<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23556\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4859\" class=\"elementor-item menu-link\">Roth IRA Conversions<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23557\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6197\" class=\"elementor-item menu-link\">Tax-Free Retirement<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-24213\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=24200\" class=\"elementor-item menu-link\">Buy Sell Education<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-45cac5b\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23545\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=7319\" class=\"elementor-item menu-link\" tabindex=\"-1\">Financial Literacy Course<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23543\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=23118\" class=\"elementor-item menu-link\" tabindex=\"-1\">App Central<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23559\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6219\" class=\"elementor-item menu-link\" tabindex=\"-1\">Tax-Planning<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23548\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6271\" class=\"elementor-item menu-link\" tabindex=\"-1\">IRAs and Roth IRAs<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23546\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=7160\" class=\"elementor-item menu-link\" tabindex=\"-1\">Fixed Indexed Annuities<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23547\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6195\" class=\"elementor-item menu-link\" tabindex=\"-1\">Guaranteed Income for Life<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23549\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4904\" class=\"elementor-item menu-link\" tabindex=\"-1\">Life Insurance Made Easy<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23553\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6756\" class=\"elementor-item menu-link\" tabindex=\"-1\">Safe Money Tools<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23554\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4813\" class=\"elementor-item menu-link\" tabindex=\"-1\">Retirement<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23556\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4859\" class=\"elementor-item menu-link\" tabindex=\"-1\">Roth IRA Conversions<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23557\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6197\" class=\"elementor-item menu-link\" tabindex=\"-1\">Tax-Free Retirement<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-24213\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=24200\" class=\"elementor-item menu-link\" tabindex=\"-1\">Buy Sell Education<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-section elementor-top-section elementor-element elementor-element-abfbbb8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"abfbbb8\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-16a2920 elementor-invisible\" data-id=\"16a2920\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5c0923c elementor-widget elementor-widget-heading\" data-id=\"5c0923c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Qualified Retirement Plans<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-058e169 elementor-nav-menu--dropdown-none elementor-widget elementor-widget-nav-menu\" data-id=\"058e169\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;vertical&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;i class=\\&quot;fas fa-caret-down\\&quot; aria-hidden=\\&quot;true\\&quot;&gt;&lt;\\\/i&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;}}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-vertical e--pointer-text e--animation-none\">\n\t\t\t\t<ul id=\"menu-1-058e169\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4975\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4786\" class=\"elementor-item menu-link\">401(k) Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4978\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4782\" class=\"elementor-item menu-link\">Roth 401(k) Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4979\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4859\" class=\"elementor-item menu-link\">Roth IRA Conversions<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4974\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4723\" class=\"elementor-item menu-link\">401(h) Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4973\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4771\" class=\"elementor-item menu-link\">412(e)3 Defined Benefit Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4977\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4775\" class=\"elementor-item menu-link\">Defined Benefit Plans<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-058e169\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4975\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4786\" class=\"elementor-item menu-link\" tabindex=\"-1\">401(k) Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4978\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4782\" class=\"elementor-item menu-link\" tabindex=\"-1\">Roth 401(k) Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4979\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4859\" class=\"elementor-item menu-link\" tabindex=\"-1\">Roth IRA Conversions<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4974\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4723\" class=\"elementor-item menu-link\" tabindex=\"-1\">401(h) Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4973\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4771\" class=\"elementor-item menu-link\" tabindex=\"-1\">412(e)3 Defined Benefit Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4977\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4775\" class=\"elementor-item menu-link\" tabindex=\"-1\">Defined Benefit Plans<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-section elementor-top-section elementor-element elementor-element-24aa642 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"24aa642\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-20a1d38 elementor-invisible\" data-id=\"20a1d38\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-67f29cc elementor-widget elementor-widget-heading\" data-id=\"67f29cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Long-Term Care<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2eb020d elementor-nav-menu--dropdown-none elementor-widget elementor-widget-nav-menu\" data-id=\"2eb020d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;vertical&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;i class=\\&quot;fas fa-caret-down\\&quot; aria-hidden=\\&quot;true\\&quot;&gt;&lt;\\\/i&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;}}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-vertical e--pointer-text e--animation-none\">\n\t\t\t\t<ul id=\"menu-1-2eb020d\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23869\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4888\" class=\"elementor-item menu-link\">Medicaid Planning<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23868\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6203\" class=\"elementor-item menu-link\">Long-Term Care Planning<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23867\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4907\" class=\"elementor-item menu-link\">Long-Term Care Insurance<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-2eb020d\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23869\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4888\" class=\"elementor-item menu-link\" tabindex=\"-1\">Medicaid Planning<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23868\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6203\" class=\"elementor-item menu-link\" tabindex=\"-1\">Long-Term Care Planning<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23867\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4907\" class=\"elementor-item menu-link\" tabindex=\"-1\">Long-Term Care Insurance<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Roth IRA Conversions Roth IRA Conversions\u2500Do They Make Sense? The Answer Will Shock You! If you would like to know if a Roth IRA conversion makes sense for your individual situation, please click here to email us or phone 888-435-6030 and set up a time to come in and have your numbers calculated. We have [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-4859","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/ohiogrowthassociation.com\/index.php?rest_route=\/wp\/v2\/pages\/4859","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ohiogrowthassociation.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ohiogrowthassociation.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ohiogrowthassociation.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ohiogrowthassociation.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4859"}],"version-history":[{"count":0,"href":"https:\/\/ohiogrowthassociation.com\/index.php?rest_route=\/wp\/v2\/pages\/4859\/revisions"}],"wp:attachment":[{"href":"https:\/\/ohiogrowthassociation.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4859"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}