The primary factor in a Roth IRA conversion decision is the difference between the tax rate at conversion and the future tax ...

Roth IRAs allow your savings to grow tax free and allow tax free withdrawals in retirement. Your income determines whether ...

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 ...

I am a 66-year-old married man with a substantial balance – $1 million-plus — in my IRA. Last year, I started to convert to a ...

A Roth IRA conversion is available any time you have money in a qualifying pre-tax account. People choose to make a ...

Tax changes may make it possible to convert more to a Roth for the same tax bill. - . If you started 2025 with a plan for how ...

Learn how to calculate your Roth IRA contribution limit based on your income and filing status for 2025 and 2026. Maximize ...

Roth IRAs can be wonderful tools when you're saving for retirement. They feature tax-free withdrawals. You might want to ...

All future growth is tax-free, so stock market rallies don't increase how much you'll have to pay in taxes. You can delay Social Security to maximize the benefit and use those lower-earning years to ...

Even if you have already chosen an account for retirement savings, that doesn’t necessarily mean you can’t change your mind about it later. In fact, this is not at all uncommon — and many people see ...

A Roth conversion is the process of rolling over retirement funds invested in a pretax account, like a regular IRA or 401(k), into an after-tax Roth IRA. You’ll pay capital gains taxes at the time of ...

Forbes contributors publish independent expert analyses and insights. I write about investing, retirement, & workplace savings plans. A common theme across personal finance literature is that the end ...