Roth conversions have become one of the most aggressively marketed planning strategies in the advisory business, but the industry’s understanding of when they work for a client and when they don’t ...

I am a 66-year-old married man with a substantial balance – $1 million-plus — in my IRA. Last year, I started to convert to a Roth by doing a modest Roth conversion. I know that calculating the amount ...

Imagine you’re 65 with $1.2 million in an IRA and a lingering question: should you convert your account into a Roth IRA? The answer may depend on how you go about it. A Roth conversion can provide ...

Even if you have already chosen an account for retirement savings, that doesn’t necessarily mean you can’t change your mind about it later. In fact, this is not at all uncommon — and many people see ...

Question: “I am 59 ½ and have $800,000 rolled over from my previous employer to a Roth. I also switched my future 401(k) employee contributions three years ago to a 401(k) Roth, which now has about ...

Who has time for the metaverse when you can try AI-generated inspo content instead? Who has time for the metaverse when you can try AI-generated inspo content instead? is a news writer who covers the ...

Non-deductible IRA contributions can create serious headaches. Learn how a reverse rollover can avoid the pro-rata rule, simplify recordkeeping, and prevent double taxation. The regular rollover ...

Large taxable events, like Roth conversions or significant capital gains, should be strategically sequenced over time. Alternatively, if you can harvest capital losses to offset those gains, you can ...