Turning traditional 401(k) savings into Roth money promises tax-free income later, but the tradeoff is a real tax bill today.

Discover why accurate income projections make year-end the ideal season for Roth conversions, plus learn how market downturns ...

When you leave a job, it is usually a smart move to take your 401(k) with you. That does not mean cashing it out, since doing ...

Thrift Savings Plan participants and spousal beneficiaries can shift money from traditional, pre-tax TSP balances to Roth ...

I am married, retired and 68 with an income of $200,000 a year between my pension, Social Security and investments.

You will owe taxes on your Roth IRA conversion in the year of the conversion. Your converted funds must stay in your Roth IRA for five years before you can withdraw them penalty-free. Roth savings ...

When I talk to clients about Roth conversions, one of the most important benefits I highlight isn’t necessarily about their own retirement; it’s about protecting their heirs. In my experience, many ...

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 ...

Taking time out of the workforce to have a child or care for an aging parent often means your taxable income drops. That "downtime" can be a smart window to convert part of a pre-tax IRA to a Roth IRA ...

The One Big Beautiful Bill Act passed in July 2025, made some long-awaited permanent changes to the tax code. But as we approach the end of the year, our focus must shift to the new, temporary ...

Parsing the rules around Social Security can be tricky. As you plan when and how to take Social Security in your golden years, you might feel like you’re walking a tightrope — one misstep could send ...