Roth strategies are not going away. But the way certain federal employees use them is changing, and the timing of your decisions is becoming far more important.

Ptak: Wanted to switch gears and talk about IRA conversions. We’ve also been hearing more about converting traditional IRA balances to Roth in this year’s down market. Before we get into why this ...

Ivanna Hampton: Here’s what’s ahead on this week’s Investing Insights. You may be thinking about converting your traditional IRA because of the down market. Morningstar’s director of personal finance ...

A Roth IRA conversion is available any time you have money in a qualifying pre-tax account. People choose to make a conversion to reduce future required minimum distributions (RMDs), spread taxes over ...

If you're considering a 2025 Roth IRA conversion, now's the time to act. There are certain retirement moves, like claiming your 401(k) match, that you can do at any point during the year. There are ...

If you're revisiting your retirement plan before year-end, a Roth conversion could be one of the smartest tax moves available. Converting a traditional pre-tax IRA into a Roth IRA now can lock in long ...

In life, you often get second chances — and the same is true with investing. To illustrate: You might not have been able to contribute to a Roth IRA during your working years due to your income level, ...

When it comes to retirement planning in 2025, there's a conversation happening in financial circles that most people are ...

Tax and estate planning isn’t for the faint of heart. The rules are complex and each decision seems to have a multitude of ...

If you think retirement planning moves stop at retirement, think again. For high earners, converting an IRA to a Roth IRA while you're still working could be the worst time of all. Although it won't ...

A Roth conversion is the process of rolling over retirement funds invested in a pretax account, like a regular IRA or 401(k), into an after-tax Roth IRA. You’ll pay capital gains taxes at the time of ...

Roth IRA conversions enable you to withdraw your savings tax-free in retirement. But you have to pay taxes on the money you convert this year. Time's running out to do it in 2023. The end of the year ...