It can be beneficial to have money in a Roth account during retirement. If you can't or didn't fund a Roth account directly, you can do a Roth conversion. Since a Roth conversion counts as income, you ...

Civilian federal employees and uniformed service members will soon be able to convert their pre-tax Thrift Savings Plan balances to Roth accounts without leaving the plan. The Federal Retirement ...

The impact of a Roth conversion on a portfolio can be immense over time, to the tune of tens or even hundreds of thousands of dollars If you decide a Roth conversion is worth it for you, it is ...

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 ...

'It seems like the perfect situation for charlatans' "There are numerous 'advisers' out there that claim to have a method by which Roth conversions can be done without taking the normal tax hit." ...

When you reach retirement age, financial decisions become even more important as you are no longer generating income from working. Every choice you make about your money has a direct impact on your ...

I just received a Social Security notice that my modified adjusted gross income was over the income-related monthly adjustment amount (IRMAA) and will be facing an extra charge for Plans B and D. This ...

Thrift Savings Plan participants and spousal beneficiaries can shift money from traditional, pre-tax TSP balances to Roth accounts without leaving the plan, starting in January 2026. Starting in late ...

Forbes contributors publish independent expert analyses and insights. I write about investing, retirement, & workplace savings plans. A common theme across personal finance literature is that the end ...

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 ...