Choosing one over the other boils down to one very personal detail. But the detail's different for every person.

I encouraged my wife to take a $40,000 Roth conversion in a lower tax year. Even though she has another Roth IRA at a ...

Retirement planning is no longer an easy task. Age, retirement plan options, taxes, and required minimum distributions (RMD) ...

The timing of your tax liability is the key differentiator. Look to minimize your taxable income when your top marginal tax rates are at their highest. Choosing the right retirement account isn ...

Cash flow, tax bracket and timing of distributions will determine whether pretax or post-tax treatment of retirement savings ...

Most investors may not realize it, but we've got access to far more retirement savings options than were offered just a generation earlier. The traditional IRA didn't exist until 1974, and 401(k ...

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This means they should shift to Roth conversions for any income above their pension up to age 60, which would allow for more tax-efficient withdrawals ... retirement is obviously beneficial, the ...

Employers are increasingly adopting provisions from SECURE 2.0, a federal retirement law passed in 2022, that may make it ...

I want to do three Roth conversions in the next three years before I turn 73 in 2027 so that my beneficiary doesn't have to ...

Brokerage accounts have fewer rules and more flexibility ... to be eligible for tax-free earnings withdrawals. However, Roth IRAs are really designed for retirement savings. Withdrawals for ...

Explore spousal inherited IRA options, including rollovers, tax implications, and Secure Act changes. Learn how to maximize ...