MCKINNEY, TX, UNITED STATES, July 2, 2025 /EINPresswire.com/ -- For individuals considering whether to convert their traditional IRAs, 401(k)s, or other tax-qualified retirement plans to a Roth IRA, ...

Want to retire early? Cut expenses, invest smartly, maximize savings, plan healthcare, and avoid lifestyle inflation to ...

There used to be what you might call “backsies” or a “do-over” on converting money from a traditional IRA to a Roth. You could pay the tax on the distribution, move the money and then change your mind ...

Recent market swings due to tariffs have unsettled investors, including IRA owners, though conditions have stabilized ...

Avoid costly tax mistakes with your IRA. Learn how skipping IRS Form 8606 cost one investor $50,000—and how you can protect ...

Capital gains and the resulting taxes can complicate retirement. These are the strategies you should know about.

The bulk of your retirement money has already been earned, but that doesn't mean you can't make the most of what you have.

A Roth IRA conversion is a financial strategy that allows individuals to transfer funds from a traditional IRA or other ...

Another type of "5-year rule" applies when you convert a traditional IRA to a Roth IRA. You'll need to wait five years to do so without penalties. Each conversion has its own five-year period, but ...

In your case, you meet this five-year rule because your Roth IRA has been open for more than five years (satisfying condition 1) and you are over 59 ½ (meeting condition 2). Importantly, once you ...

Adding to the confusion is the original poster saying that Fidelity told them that the five-year rule applies to both 401 (k) and traditional Roth IRA withdrawals.

When a surviving spouse is at least 59 ½, the spousal rollover option is likely advantageous. With a spousal rollover, it’s as though the Roth IRA had belonged to the surviving spouse from day one.