Many investors within five years or so of retirement have the bulk of their savings in traditional tax-deferred 401(k)s and individual retirement accounts, instead of the after-tax Roth versions of ...

A Roth conversion can change your retirement for the better, but only if done correctly. These are some costly conversion ...

When you reach retirement age, financial decisions become even more important as you are no longer generating income from working. Every choice you make about your money has a direct impact on your ...

A yellow sticky note on top of an IRS 1040 tax form with Roth IRA conversion tax strategy written on it. Many people don’t think of or are simply unaware of potential IRMAA Medicare surcharges when ...

What is a Roth conversion ladder? First, let’s start with the Roth IRA. A Roth IRA is a retirement account that allows investors to enjoy tax-free growth and make tax-free withdrawals in retirement.

Rolling a traditional 401(k) into a Roth IRA triggers immediate taxes on the full conversion amount. Roth IRAs offer tax-free growth and withdrawals with no required minimum distributions during the ...

I found your column "Do Roth IRA conversions still make sense with the passage of the GOP tax law?" very helpful and I better understand the strategic choice a conversion to a Roth IRA represents. My ...

As financial advisors, our heroics don’t typically make for riveting dinner conversation, but in our daily duties, we frequently step in and save the day. We wield advanced modeling tools to optimize ...

A backdoor Roth IRA is a strategy that allows high-income earners to bypass the ordinary income limits on Roth contributions and get money into a Roth IRA account. The strategy is called a “backdoor” ...

A Roth conversion ladder is when you take money from tax-deferred retirement accounts and move it into a Roth IRA gradually. With inflation at a 40-year high, now might be a good time to consider ...