Irvin Schorsch III, president of Pennsylvania Capital Management, a wealth-management firm in Jenkintown, Pa.

WSJ: It Pays to Stock Kids' IRAs

Another good set of candidates are savers who have received substantial tax refunds in the past few years and are looking for a way to put those refunds to work, says Michael Schwartz, a wealth manager in Jenkintown, Pa.

WSJ: Family Value: Is It Time to Convert