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 ...

A Roth IRA conversion ladder is a multiyear savings strategy that lets you tap your retirement account before reaching age ...

Editor’s Note: This article was reprinted from Ed Slott’s IRA Advisor Newsletter, October 2025 Issue (© 2025). Winter is in the air, and the final few months of 2025 are upon us. This is a critical ...

Tax changes may make it possible to convert more to a Roth for the same tax bill. If you started 2025 with a plan for how much you thought you'd convert to a Roth IRA by the end of the year, the ...

Quick ReadQualified Roth IRA withdrawals are excluded from both provisional income and Medicare IRMAA calculations, making ...

The sooner you move money from a traditional IRA to a Roth IRA, the sooner you won't have to worry about paying additional taxes on future growth. Any money you move from a traditional IRA to a Roth ...

You can convert an IRA to a Roth no matter how old you are. But if the conversion boosts your income, it could have tax ...

All three have a tax or coverage outcome that locks in permanently once the calendar year turns.

For retired couples who haven't touched Social Security yet, a narrow window in the tax code lets them move money out of a ...

Most couples retiring at 63 with a million-dollar traditional IRA assume they have a full decade before forced withdrawals shrink their options, but three separate tax triggers conspire to close that ...

Going into the 2024 presidential election, the conventional wisdom and received knowledge of the chattering classes, when asked whether or not it was smart to convert a regular IRA into a Roth IRA ...