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

As 2025 nears its end, it's a good time to evaluate which money moves we should make before the taxable year comes to a close. Clients often ask whether they should convert funds in tax-deferred ...

Your 60s may be a good time to consider Roth conversions if you're easing into retirement with part-time work and are in a ...

Turning traditional 401(k) savings into Roth money promises tax-free income later, but the tradeoff is a real tax bill today. The strategy can be powerful, yet the math is unforgiving if I misjudge my ...

Those with extra savings may be missing out on tax‑free growth. Learn when a mega backdoor Roth makes sense, how it works ...

Be sure you understand the tax consequences before making the change Cathy Pareto, MBA and CFP®, is the founder and president of Cathy Pareto & Associates Inc. For more than twenty years, Cathy has ...

A Roth in-plan conversion lets you take a distribution that is rollover-eligible from your 401(k) plan and roll it over to a Roth account in the same plan. The Roth in-plan conversion can be a ...

Beginning in 2010, individuals are allowed to convert or roll over certain distributions from retirement plans and IRAs to Roth IRAs regardless of their modified adjusted gross income. Complex rules ...

Starting January 1, 2026, Federal employees and retirees will be able to convert money from their traditional Thrift Savings Plan accounts to a Roth TSP account. Federal employees can make their ...

Nearly all 401(k) providers now allow employees to contribute to a Roth 401(k), according to a new survey by the Plan Sponsor Council of America. But only 60% of those surveyed allow in-plan Roth ...

As investors strive to optimize their retirement savings and minimize tax burdens, understanding how Roth conversions benefit them becomes more important. Roth conversions have great significance when ...