You have to weigh the pros and cons of converting early in the year versus waiting until year-end.

Paying 32% today to avoid up to 18% later is generally a poor trade-off. Few retirees face a top-bracket tax rate on every ...

Roth conversions are not just a tax strategy — they’re also a bet on longevity, market performance, and long-term tax ...

Thinking about rolling over a 401(k) into a gold or silver IRA? Learn who’s eligible, how it works and what tax and timing ...

You've probably heard about Roth conversions. Maybe your financial advisor has mentioned them, or perhaps you've seen them ...

RMDs can also act as a nudge for estate planning. If you have sizable account balances, these required withdrawals can be ...

Required minimum distributions or RMDs are usually framed as a financial disaster. A ticking time bomb that should be avoided ...

Chuck Oliver, host of The Hidden Wealth Solution podcast and author of seven books on wealth accumulation and preservation ...

A new rule for the federal government’s retirement plan will allow enrolled workers and retirees to convert funds to Roth accounts.

When you reach retirement age, financial decisions become even more important as you are no longer generating income from working. Every choice you make about your money has a direct impact on your ...

Thrift Savings Plan participants and spousal beneficiaries can shift money from traditional, pre-tax TSP balances to Roth accounts without leaving the plan, starting in January 2026. Starting in late ...

Forbes contributors publish independent expert analyses and insights. I write about investing, retirement, & workplace savings plans. A common theme across personal finance literature is that the end ...