You have to do the math to figure out your best tax strategy in retirement, and converting might not be for you.

Most retirement calculators hand affluent couples a sequence that quietly costs them six figures in avoidable taxes. The order you convert and claim makes all the difference, and very few advisors are ...

Roth conversions to secure tax-free withdrawals during retirement are gaining popularity as Gen X gets closer to retirement, but financial advisers warn that the decision to convert should be ...

If you've spent years maxing out a 401(k) or traditional IRA, most of your wealth may be sitting behind a wall you cannot touch without a penalty until age 59½. There is a strategy to work around that ...

Most investors approach Roth conversions with a simple question: Will my future tax bracket be higher than my current one? On paper, that seems like the most important question. A Roth conversion ...

There are certain retirement moves, like claiming your 401(k) match, that you can do at any point during the year. There are others you generally do at a specific time. Roth IRA conversions fall into ...

You can reduce the impact that taxes have in retirement by converting pre-tax savings into Roth assets. Doing so not only unlocks future tax-free growth, but also helps you minimize or avoid required ...

Retiring at 64 and delaying Social Security to 70 opens a low-income gap year ideal for large Roth conversions at reduced tax rates. Converting $185,000 now costs about $33,000 in federal taxes but ...

Most retirement accounts work on a tax-deferred basis. Contributions reduce taxable income today, and taxes come due when money is withdrawn in retirement. A Roth IRA operates differently.

Civilian federal employees and uniformed service members will soon be able to convert their pre-tax Thrift Savings Plan balances to Roth accounts without leaving the plan. The Federal Retirement ...