Roth conversions are one of the most powerful financial planning tools available. While they’re not right for everyone, for many investors, a Roth conversion can unlock huge tax savings. There are ...

Honestly, most people aren't thinking much about their retirement accounts right now. They're focused on daily expenses, ...

(CNN) — Having financial flexibility in retirement — especially in being able to maximize your spending while minimizing your taxes — is an optimal situation. And it’s one you can arrange by keeping ...

The primary factor in a Roth IRA conversion decision is the difference between the tax rate at conversion and the future tax ...

You can always access your Roth IRA contributions tax- and penalty-free. You cannot withdraw converted funds tax-free until five years after the conversion. You may not withdraw earnings tax- and ...

Although everyone is different from a tax bracket standpoint, at what tax bracket does it makes sense to start converting your 401(k) into a Roth 401(k) and pay the taxes upfront? For instance, I am ...

Earning a high income is certainly an effective way to provide more ammunition to fund your retirement nest egg. You have more financial resources at your disposal, obviously, making it easier to ...

(CNN) — Having financial flexibility in retirement — especially in being able to maximize your spending while minimizing your taxes — is an optimal situation. (CNN) — Having financial flexibility in ...

You're right about everyone's tax situation being different. That's why we can't draw a line at a specific tax bracket and say, "Here's the point where Roth conversions make sense!" However, we can ...