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

Converting a 401(k) to a Roth IRA can potentially provide valuable long-term benefits, but it also triggers a tax bill that ...

Converting a traditional individual retirement account to a Roth IRA is a powerful way to reduce taxes in retirement. Essentially, you’re choosing to pay taxes now in exchange for tax-free withdrawals ...

My wife and I are 70 years old. We've paid off everything, including the house. Between my pension of $29,000 and Social ...

Retirees will generally have more insight into the wisdom of a Roth IRA conversion than younger workers, due to decreased uncertainty about future income paths and tax rates. Decisions about how and ...

Caring for a child or parent can mean a drop in income and a lower tax bracket. Why not take advantage by moving money into a ...

When is a Roth conversion a good idea? Readers are confused about their strategies. Got a question about investing, how it fits into your overall financial plan and what strategies can help you make ...

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, ...

Jeff DeHaan explains how strategic Roth conversions can safeguard your heirs and spouse from future tax burdens. Drawing on ...

Nearly a quarter of U.S. households own a Roth IRA, yet they account for just 10% of the $13.6 trillion in total individual retirement arrangements assets, mostly funded by direct contributions. But ...

Bernice Napach is a contributor to Buy Side from WSJ and a finance expert on investing, retirement and markets. Senior editor, Buy Side from WSJ Meredith Mangan is a senior editor for Buy Side from ...