Roth IRAs aren't subject to required minimum distributions. High earners have workarounds that allow them to also contribute ...

A workaround for the Roth IRA income restrictions enables wealthier individuals to to earn tax-free income. But how long will that back door remain open?

Any money you move from a traditional IRA to a Roth IRA is treated as ordinary income. That's why you should make these ...

One common swap that people make is converting their traditional IRA to a Roth IRA. With this move, retirees can skip paying taxes on their withdrawals, but they will need to pay taxes on the money ...

You can make a Roth IRA conversion at any time, as long as you have money in a qualifying pre-tax account. But the real ...

When saving for retirement, the first decision is how much. But the next decision is where: Do you contribute to a traditional retirement account or a Roth? By far, the majority of retirement assets ...

I’m 72 years old and have my IRA in stock. I start required minimum distributions next year so I want to convert to a Roth ...

Roth 401(k) access is expanding, and changes that go into effect in 2027 will require some high earners to make Roth catch-up contributions.

When you leave a job, it is usually a smart move to take your 401(k) with you. That does not mean cashing it out, since doing that could trigger taxes and early withdrawal penalties. Instead, it means ...

Self-directed individual retirement accounts (SDIRAs) are traditional or Roth IRAs with expanded investment options.

The SECURE acts introduced several major changes to RMDs over the last few years. The changes impact both retirees and those ...