When you reach retirement age, financial decisions become even more important as you are no longer generating income from working. Every choice you make about your money has a direct impact on your ...

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

A Roth IRA is a widely used retirement savings account with key tax advantages, such as tax-free withdrawals in retirement. Unlike traditional IRAs, which may offer tax deductions upfront, Roth IRAs ...

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Anthony Battle is a CERTIFIED FINANCIAL PLANNER™ professional. He earned the Chartered ...

Sometimes, life goes one way when you planned on it to go another. In the case of retirement planning, let's say you've been saving money in a tax-deferred retirement account (like a traditional ...

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 ...

As financial advisors, our heroics don’t typically make for riveting dinner conversation, but in our daily duties, we frequently step in and save the day. We wield advanced modeling tools to optimize ...

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 ...

Using a traditional IRA or 401(k) to save for retirement is a great way to supercharge your savings. The big advantage of those accounts is that you can deduct your contributions from your taxes. With ...

Sometimes moving money to a Roth IRA just doesn't make sense If you're eager to jump on the Roth bandwagon, it may be frustrating to go through the process and find roadblocks. But sometimes, you run ...

Use our free Roth IRA calculator to see how much you can contribute this year and get an estimate of your potential retirement balance. Many, or all, of the products featured on this page are from our ...