How to Build a Million-Dollar Roth IRA if You Start Investing in 2026

Roth IRAs can be wonderful tools when you're saving for retirement. They feature tax-free withdrawals. You might want to ...
SmartAsset on MSN

I'm 65 With $950k in an IRA. Is It Worth It to Convert $150k per Year to a Roth IRA to Avoid RMDs and Retirement Taxes?

A Roth IRA conversion is available any time you have money in a qualifying pre-tax account. People choose to make a ...

3 Reasons to Make Roth IRA Conversions Early in Retirement

Any money you move from a traditional IRA to a Roth IRA is treated as ordinary income. That's why you should make these ...

Roth 401(k) Catch-Up Rule Arrives In January For $150K+ Earners

In January, new Roth catch-up rules will prevent workers over 50 who earned more than $150,000 the prior year from making pre ...

I'm a financial planner: If you're not doing Roth conversions, you need to read this

Roth conversions and other Roth strategies can be complex, but don't dismiss these tax planning tools outright. They could ...

My RMD starts next year. Should I convert my whole IRA to a Roth?

I’m 72 years old and have my IRA in stock. I start required minimum distributions next year so I want to convert to a Roth ...
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Ask an advisor: I converted to a Roth at 65. How does the 5-year rule apply?

Imagine that you’re 65 years old and just completed a Roth conversion during a low-tax year early in retirement to avoid ...
SmartAsset on MSN

I'm 70 With $1.2M in an IRA. Can I Still Convert to a Roth IRA?

In retirement, it's not too late to convert your money into a Roth IRA. The IRS will let you convert qualified funds at any ...
Kiplinger

6 Tax Reasons to Convert Your IRA to a Roth (and When You Shouldn't)

If you have an individual retirement account (IRA), you might have considered converting it into a Roth account at some point. But you might not know the best time to do a conversion, or even if doing ...

There are a few weeks left to supersize your Roth conversion without raising your tax bill

New in 2025 is an extra $6,000 per individual, in addition to the standard deduction, for those over age 65 who meet the ...
AOL

A Roth IRA Conversion Sounds Smart, but Is It Right for Your 401(k)?

Rolling a traditional 401(k) into a Roth IRA triggers immediate taxes on the full conversion amount. Roth IRAs offer tax-free growth and withdrawals with no required minimum distributions during the ...

Should You Convert a Traditional IRA to a Roth After 60?

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 consequences.