Across all tax regimes investigated, the one-time Roth conversion yields the best final balance. Using this method, an investor will yield an average difference in final balances of $110,000 over the ...

Oh boy! Did I get your attention? You say, “But Kelly! I thought all Roth IRA distributions were tax free!” I say, “Not so fast, Sparky.” This is embarrassing. I used to think like you. Then I got my ...

Roth IRAs allow you to fund your retirement with after-tax dollars while you're working, and then withdraw those ...

This says that you must wait until the converted funds have been in your Roth IRA for at least five years before you can ...

Jeff DeHaan explains how strategic Roth conversions can safeguard your heirs and spouse from future tax burdens. Drawing on ...

As financial advisors, our heroics don’t typically make for riveting dinner conversation, but in our daily duties, we frequently step in and save the day. We wield advanced modeling tools to optimize ...

But there's a major drawback to having a traditional retirement account. Once you turn 73, you'll be forced to take required ...

When it comes to saving for retirement, the Roth and traditional IRA are like two sides of the same coin. Both offer powerful ways to grow your savings, but they come with distinct tax advantages — ...

Your 401(k) or IRA could hide a tax time bomb. Withdrawals in retirement are taxed. RMDs at age 73 can spike income. Future ...

A Roth IRA and traditional IRA both have the same goal: to help you save for retirement and ensure you don’t spend your golden years struggling to make ends meet. The key difference between a Roth and ...