If you have a high IRA or 401(k) balance, you should consider doing this instead.

The Roth conversion ladder lets you move money from a traditional account to a Roth plan while minimizing your taxes.

Roth IRAs are funded with after-tax dollars and can provide tax-free income after age 59 1/2. Money from a traditional IRA ...

A Roth conversion could help you avoid required minimum distributions in retirement. Before you move funds into a Roth, make sure that pays from a tax bracket perspective. In some cases, having ...

Tue, March 31, 2026 at 6:52 PM UTC Let's say a couple retires at 63 with $2 million in a traditional 401(k) and has no RMDs for a decade. Their taxable income is low, and that window is the most ...

The decision on whether or not to do a Roth conversion depends on several factors. There's no one-size-fits-all answer. The type of IRA your money is in matters. With traditional IRAs, you don't pay ...

Many financial planners complete Roth individual retirement account conversions around year-end. Roth conversions typically require precise current-year income projections to avoid possible tax ...

With investment accounts about to end a very good year and current tax rates unlikely to change for a while, the case for paying taxes now to convert traditional IRAs and 401(k)s to Roth accounts is ...

Roth conversions transfer pretax or nondeductible individual retirement account money to a Roth IRA, which starts future tax-free growth. It's a popular strategy when the stock market drops because ...

Don't be so focused on your portfolio balance that you miss this opportunity.