You have to weigh the pros and cons of converting early in the year versus waiting until year-end.

Roth IRA conversions are a brilliant strategic stroke for some people but a sub-optimal choice for others. Which tax bracket(s) can benefit the most?

Roth conversions are not just a tax strategy — they’re also a bet on longevity, market performance, and long-term tax ...

In life, you often get second chances — and the same is true with investing. To illustrate: You might not have been able to contribute to a Roth IRA during your working years due to your income level, ...

Retirees will generally have more insight into the wisdom of a Roth IRA conversion than younger workers, due to decreased uncertainty about future income paths and tax rates. Decisions about how and ...

This problem, he said, can’t always be fixed with software, and it’s led to some irreversible mistakes for clients. This confluence of unsuccessful client outcomes has driven him to create an exam and ...

When is a Roth conversion a good idea? Readers are confused about their strategies. Got a question about investing, how it fits into your overall financial plan and what strategies can help you make ...

Doing a Roth conversion in any climate can be a painstaking and nerve-wracking process. That said, let’s dive into whether investors should convert their traditional retirement accounts to Roth ...

RMDs can also act as a nudge for estate planning. If you have sizable account balances, these required withdrawals can be ...

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 ...

Paying 32% today to avoid up to 18% later is generally a poor trade-off. Few retirees face a top-bracket tax rate on every ...