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 ...

In a previous article about Roth conversions, an advisor wrote: "For many folks, a prime time for Roth conversions takes ...

From a legal and regulatory standpoint, it is never too late for a Roth conversion. Under the rules, you can transfer ...

The IRS has announced 2026 inflation adjustments and rule changes that could significantly affect retirees’ tax bills and withdrawal strategies. Higher standard deductions, a new senior bonus ...

Considering a Roth IRA conversion before RMDs? Learn if paying taxes now to avoid them later is right for you.

Roth strategies are not going away. But the way certain federal employees use them is changing, and the timing of your ...

A Roth IRA conversion can be a powerful retirement move, but timing and tax planning are everything. By converting strategically, you can lock in tax-free growth, avoid required minimum distributions, ...

A common window to do Roth conversions is your 60s, before RMDs begin. If you have a substantial balance to convert, your modified adjusted gross income could be high during that window. That could ...

Taxes. You can't avoid them. But you can minimize them or even postpone them. And if your goal is to leave a sizable IRA to a beneficiary -- say a spouse, or children -- without saddling them with a ...

Fidelity has flagged the Roth five-year rule as one of the most misunderstood features in the US retirement code, and the 260-page final regulations the IRS released on inherited accounts in July 2024 ...

Trump Accounts hold limited appeal for kids who miss out on free seed money—unless you look ahead to the surprising tax value ...

Most tech executives earning $400,000 or more have already accepted that a regular Roth IRA is off the table. For 2026, ...