Want to access retirement savings before 59½ without penalties? The Roth conversion ladder makes it possible. Here’s how it ...

Think you're a savvy retirement planner? Here’s what you may be forgetting.

Having savings in a Roth account gives you access to tax-free withdrawals in retirement. It also means avoiding required ...

You may have spent months or years comparing filing at 62 versus full retirement age versus 70, weighing spousal coordination ...

High earners aren't locked out of Roth IRAs. Here's the conversion strategy that bypasses income limits entirely in 2026.

Roth conversions get a lot of hype, but for federal employees nearing retirement, rushing could mean higher taxes and fewer options later.

Roth IRAs are tax-free. Traditional IRAs are tax-deferred. Understanding the ramifications of tax-free versus tax-deferred in your retirement plan is a major factor in why Roth IRAs are often superior ...

A Roth conversion involves transferring funds from a pre-tax retirement account, like a traditional IRA or 401(k), into a Roth IRA. You pay taxes on the converted amount in the year of the conversion ...

It might seem counter intuitive to decide to pay MORE taxes now, rather than defer them, but in some cases, that can be a smart, tax-efficient strategy. Have I piqued your curiosity? I want to ...

EDITOR’S NOTE: Over the next three months, Donna Skeels Cygan will look at the pros and cons of Roth conversions. Roth IRAs and Roth conversions offer many benefits for investors. But they are not for ...

Avoid expensive retirement tax surprises. Learn how RMDs, Social Security, Roth conversions, and investment income can affect your tax bill.

A Roth conversion is the process of rolling over retirement funds invested in a pretax account, like a regular IRA or 401(k), into an after-tax Roth IRA. You’ll pay capital gains taxes at the time of ...