Roth conversions should never be done on a whim — they're a product of careful timing and long-term tax considerations. So how can you tell whether to go ahead?

With retirement planning and taxes, there are often two ways to look at a question: First, can you do something, and then, ...

Any money you move from a traditional IRA to a Roth IRA is treated as ordinary income. That's why you should make these ...

When you reach retirement age, financial decisions become even more important as you are no longer generating income from ...

As tax rates are expected to rise and the federal deficit reaches historic highs, many Americans approaching retirement are ...

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 ...

It's true that there are income limits to be eligible to contribute to a Roth IRA. Starting in 2026, if you're single or the ...

The IRS caps contributions to retirement savings plans to prevent high earners from benefiting more from the tax breaks than ...

You'll only have access to a 401 (k) if your employer offers one. Some companies also require you to work there for a certain amount of time, like one year, before you're eligible to participate in ...

You can make a Roth IRA conversion at any time, as long as you have money in a qualifying pre-tax account. But the real question is whether it benefits you. Converting in your 60s, for example, can ...

In January, new Roth catch-up rules will prevent workers over 50 who earned more than $150,000 the prior year from making pre ...

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