Learn how and when to convert tax-deferred accounts to a Roth IRA, the tax implications, the 5-year rule, and smart strategies like laddering or backdoor Roth conversions.

Individuals open IRAs on their own—unlike employer-run 401(k)s. Traditional IRAs use deductible pretax income, and taxed only ...

Required minimum distributions (RMDs) from pre-tax retirement accounts can have a number of unintended consequences. These ...

If you believe that taxes will rise in the future, converting more now at current tax rates may save you from higher tax bills later.

Nearly a quarter of U.S. households own a Roth IRA, yet they account for just 10% of the $13.6 trillion in total individual retirement arrangements assets, mostly funded by direct contributions. But ...

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 ...

When it comes to converting a traditional IRA to a Roth IRA, 'there is the possibility to get highly tactical,' one expert tells MarketWatch The Internal Revenue Service is going to get its piece of ...

However, inherited IRAs come with their own rules and limitations that can complicate the picture. Whether you can convert an inherited IRA to a Roth IRA depends on both your status and current IRS ...

The Roth IRA is a top-tier retirement savings tool. For young people especially, it’s the best way to take full advantage of compound interest while minimizing your tax exposure. In the simplest terms ...

These provisions of OBBBA must be taken into account for retirement planning, with careful consideration of differing MAGI limits and effective dates. Roth conversions are likely to deliver long-term, ...

While a conversion can be the right thing for some retirees or soon-to-be-retirees to do, finance experts suggest 10 times ...

If you are considering a year-end Roth individual retirement account conversion, you'll need to plan for an upfront tax bill. Still, "it can be hard to bite the tax bullet today and do a Roth ...