An IRA conversion can give you a leg-up in retirement with tax-free income. But proceed with caution.

Unlike with traditional IRAs, Roths do not provide tax savings, so anyone converting such funds to a Roth must pay federal income taxes on the amount converted.

Quick Read IRMAA surcharges start at $109,000 income for single filers in 2026. High earners pay up to $487 extra monthly.

One of the most commonly asked questions among investors is whether or not they should convert to a Roth IRA, and if so, when ...

Roth IRAs are a popular retirement savings and investment tool, especially for those expecting to be in a higher tax bracket in retirement, because of their tax advantages. However, a Roth conversion ...

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 ...

Federal employees can use a new Thrift Savings Plan tool to weigh the tax costs and retirement advantages of moving traditional balances to Roth.

There are two 5-year rules: One for contributions and the other for conversions. A subset of rules exists, based on your age. It’s important to know which qualified expenses allow you to withdraw ...

Thrift Savings Plan participants need to carefully weigh the advantages and potential tax pratfalls of moving their balances to an after-tax investment strategy.

When Sean Kelly sits down with clients to discuss how to transition to new Roth catch-up rules from the IRS, he often finds himself talking less about investments and more about payroll files. “It’s ...

It's easy to understand why Roth IRAs (individual retirement accounts) are a popular retirement savings vehicle. IRAs are funded with after-tax dollars and offer tax-free growth and withdrawals. And ...