Roth conversions are one of the most powerful financial planning tools available. While they’re not right for everyone, for many investors, a Roth conversion can unlock huge tax savings. There are ...

For 40 years, Americans have used their 401(k) retirement accounts to delay paying taxes. However, many financial experts say most people would be better off paying taxes now and saving their ...

The primary factor in a Roth IRA conversion decision is the difference between the tax rate at conversion and the future tax ...

One of the most common retirement questions people face is also one of the most confusing. As you build your retirement savings, should you contribute to a pre-tax account like a 401(k) or IRA, or put ...

Many Roth conversions that look good on paper are in fact losing propositions. That's the implication of an article published in the September issue of the Journal of Financial Planning. Entitled "Net ...

Reducing your lifetime tax bill is a smart financial strategy, and a Roth individual retirement account can be a key part of that. Growth and retirement withdrawals from a Roth IRA are tax-free, ...

A popular and efficient way to stretch your retirement dollars is to take advantage of the tax benefits offered by Roth individual retirement accounts (IRAs). However, to maximize these advantages, ...

The Roth IRA from a tax perspective is seen by many as the "holy grail" of retirement planning vehicles. For those unfamiliar or those that may just be starting out on their investment journeys, this ...

Having financial flexibility in retirement — especially in being able to maximize your spending while minimizing your taxes — is an optimal situation. And it’s one you can arrange by keeping at least ...

Do funds in a Roth IRA get the benefit of a stepped-up basis for my heirs when I die? No, the cost basis of the assets held within your IRA will not step up or reset to their current market value when ...