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 ...

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, ...

You're right about everyone's tax situation being different. That's why we can't draw a line at a specific tax bracket and say, "Here's the point where Roth conversions make sense!" However, we can ...

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 ...

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 ...

Our tax system does not work well. Some say it is broken. Many Americans pay no income taxes. Others pay far more than they think reasonable. Ordinary Americans are angry, particularly when tax ...

One of the most talked-about provisions of the SECURE 2.0 Act is the one allowing a limited amount of unused funds in 529 accounts to be rolled over to Roth individual retirement accounts. This change ...

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 ...