A Roth conversion could help you avoid required minimum distributions in retirement. Before you move funds into a Roth, make ...

Be sure you understand the tax consequences before making the change Cathy Pareto, MBA and CFP®, is the founder and president of Cathy Pareto & Associates Inc. For more than twenty years, Cathy has ...

Discover how contributing to both a 401(k) and IRA can diversify your retirement savings and maximize tax benefits while ...

The point, however, is that in some cases, relocating to a state without an income tax to do your Roth conversions could save ...

When planning for retirement, one of the biggest decisions you’ll face is how to generate consistent, tax-efficient income. Two common options, annuities and Roth IRAs, serve very different purposes, ...

401(k)s are only available through your employer; Roth IRAs have income limits. 401(k)s offer the possibility of an employer match and high contribution limits. Roth IRAs allow tax-free retirement ...

When planning for retirement, choosing the right account can make a major difference in how much money you ultimately keep. Roth retirement accounts, including Roth IRAs and Roth 401(k)s, allow ...

Higher-income earners must make 401(k) catch-up contributions with after-tax dollars and place them in a Roth account.

“We have $3.5 million in savings — $2.5 million of which are in retirement accounts.” ...

The standard 401 (k) contribution limit for 2025 is $23,500. If you're over 50, you can add another $7,500 in catch-up ...

For many of us, retirement may seem far away. However, if you ask people who have already retired, many of them will tell you just how fast it can creep up on you. That's why it's important to begin ...