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 ...

Key IRS restriction: You cannot convert RMD amounts into a Roth IRA; only funds above the RMD can be converted after meeting the year’s requirement. Timing is everything: Conversions before RMD age ...

Many people feel unsure about how the Roth IRA five‑year rules affect their access to money, and that confusion can create fear about making the wrong move. You are not alone if the timelines feel ...