Most of the conversation about Trump Accounts has focused on the beginning.

Who gets the $1,000. Whether families should contribute more. Whether a 529 plan is still the better place to save for college.

There's also been plenty of discussion about what happens at 18, when the account begins operating under traditional IRA rules. One obvious strategy is to convert some or all of it to a Roth IRA while the young adult is still in a low tax bracket.

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As a financial adviser with more than 25 years of experience, I see that that's where planning gets more…