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 ...

Converting retirement funds from a 401(k) into a Roth IRA offers the opportunity for tax-free growth and tax-free withdrawals in retirement, while also avoiding Required Minimum Distribution (RMD) ...

From a legal and regulatory standpoint, it is never too late for a Roth conversion. Under the rules, you can transfer retirement funds from a tax-deferred account such as a 401(k) to a Roth IRA at 69 ...

Want to access retirement savings before 59½ without penalties? The Roth conversion ladder makes it possible. Here’s how it ...

Most investors approach Roth conversions with a simple question: Will my future tax bracket be higher than my current one? On ...

High earners aren't locked out of Roth IRAs. Here's the conversion strategy that bypasses income limits entirely in 2026.

Converting a traditional individual retirement account to a Roth IRA is a powerful way to reduce taxes in retirement. Essentially, you’re choosing to pay taxes now in exchange for tax-free withdrawals ...

Many investors within five years or so of retirement have the bulk of their savings in traditional tax-deferred 401(k)s and individual retirement accounts, instead of the after-tax Roth versions of ...

Roth conversions to secure tax-free withdrawals during retirement are gaining popularity as Ge n X gets closer to retirement, but financial advisers warn that the decision to convert should be ...

Roth conversions get a lot of hype, but for federal employees nearing retirement, rushing could mean higher taxes and fewer options later.

Learn the essential withdrawal rules for Roth 401(k)s to prevent taxes and penalties, ensuring you're optimizing your ...