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You likely will need multiple services.

I am being offered a lower interest rate on my mortgage. I have my current mortgage is with citi and they are offering to lower it and tell me it is no cost.( i am reading the fine print). I have been researching this online and wanted to talk to someone and explain my situations and help make a decision.

For this you'll need objective, quantitative analysis to determine if you have the assets to pay for the refi and what your future break-even point would be if you do a refi. An accountant who does this kind of work or a fee-only CFP should be able to help you.

I have a custodial account that i started 13 yrs ago for my now 17 yr old and it has not done well ( lost money). i want to close it and want to understand the tax implications if any.

This will require legal assistance for the UTMA or custodial accounts for your state. An attorney can provide this. But generally, the dollars in the custodial account belong to the child, not you. You, as the account custodian, are charged with managing these for your child's best interest, as they cannot. But at your state's age of majority, it will be the child's account to do with it as they see fit.

I saw on Suzy orman that i can contribute to a regular IRA ( I won't take tax credit ) and can then convert it to a Roth IRA. i want to know if this is true.

Yes, you can. But there are some rules for doing this. If you do it yourself, as mentioned, you need to read and understand the rules as described in Pub 590. These rules are not particularly onerous, but you do need to understand them. If you don't wish to, then you'd likely need to seek the services of a CFP financial planner to determine if this is in your best interest.

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