I encourage many clients to view their Roth account not as a retirement income source but instead as a multigenerational ...

Converting a traditional IRA or 401(k) to a Roth account can save retirees thousands in taxes over their lifetime, but only ...

Roughly 70 million workers actively participate in 401(k) retirement plans, and those plans now hold $10.1 trillion in assets ...

Dr. JeFreda R. Brown is a financial consultant, Certified Financial Education Instructor, and researcher who has assisted thousands of clients over a more than two-decade career. She is the CEO of ...

This backdoor Roth 401(k) loophole lets high earners contribute to Roth plans and enjoy tax-free withdrawals when they retire ...

Tue, March 31, 2026 at 6:52 PM UTC Let's say a couple retires at 63 with $2 million in a traditional 401(k) and has no RMDs for a decade. Their taxable income is low, and that window is the most ...

Discover how the Roth conversion strategy can save you a lot of money in retirement and best practices to follow.

This strategy keeps annual conversion amounts within desired tax brackets, minimizing the tax rate paid on converted funds while steadily building Roth assets over time. A typical laddering approach ...

A smart Roth conversion strategy reduces future taxes, protects a surviving spouse and avoids Medicare premium surcharges.

The pre-retiree forum question keeps appearing in different forms: a 54-year-old software engineer with $1.4 million in a 401 ...

There’s a strategy that could help turn these new investment accounts into tax-free vehicles in retirement, some experts say.