Roth conversions are one of the most powerful financial planning tools available. While they’re not right for everyone, for many investors, a Roth conversion can unlock huge tax savings. There are ...

Retirees are often surprised to discover that the biggest threat to their nest egg is not market volatility but a sudden spike in taxes once paychecks stop. Required withdrawals, Social Security rules ...

Honestly, most people aren't thinking much about their retirement accounts right now. They're focused on daily expenses, ...

You can always access your Roth IRA contributions tax- and penalty-free. You cannot withdraw converted funds tax-free until five years after the conversion. You may not withdraw earnings tax- and ...

(CNN) — Having financial flexibility in retirement — especially in being able to maximize your spending while minimizing your taxes — is an optimal situation. (CNN) — Having financial flexibility in ...

Do funds in a Roth IRA get the benefit of a stepped-up basis for my heirs when I die? No, the cost basis of the assets held within your IRA will not step up or reset to their current market value when ...

Although everyone is different from a tax bracket standpoint, at what tax bracket does it makes sense to start converting your 401(k) into a Roth 401(k) and pay the taxes upfront? For instance, I am ...

The primary factor in a Roth IRA conversion decision is the difference between the tax rate at conversion and the future tax rate at distribution. Tax-free growth in a Roth IRA is a significant ...

(CNN) — Having financial flexibility in retirement — especially in being able to maximize your spending while minimizing your taxes — is an optimal situation. And it’s one you can arrange by keeping ...

You're right about everyone's tax situation being different. That's why we can't draw a line at a specific tax bracket and say, "Here's the point where Roth conversions make sense!" However, we can ...