The only potential "catch" with a Roth is that you must qualify to fund one, and higher earners might not. Other than that, ...

Oh boy! Did I get your attention? You say, “But Kelly! I thought all Roth IRA distributions were tax free!” I say, “Not so fast, Sparky.” This is embarrassing. I used to think like you. Then I got my ...

This says that you must wait until the converted funds have been in your Roth IRA for at least five years before you can ...

A new $6,000 tax deduction for seniors has created a limited-time opportunity to do a Roth conversion with a lower tax hit. Here’s how to take advantage before 2028.

Discover the tax benefits and withdrawal flexibility of Roth IRAs for retirees, including contributions, tax-free earnings, and strategies for passing wealth to heirs.

Your 401(k) or IRA could hide a tax time bomb. Withdrawals in retirement are taxed. RMDs at age 73 can spike income. Future ...

Learn about qualified distributions from retirement accounts, IRS rules, tax implications, and how to maximize your tax benefits while avoiding penalties.

When it comes to saving for retirement, the Roth and traditional IRA are like two sides of the same coin. Both offer powerful ways to grow your savings, but they come with distinct tax advantages — ...

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 ...

If you're inheriting an IRA, you might think you can let that money sit and grow until you need it. But there are rules ...