When you’re contemplating a Roth conversion. If you have been a good saver and will be heading toward retirement with more than $1 million in a tax-deferred account like a traditional IRA or 401 ...

It may be that you have an employer 401(k) plan without a Roth savings option (since not every plan does), or that you earn too much for a Roth IRA. If you time your conversions right, you can ...

When stocks fall, it can be a good time to get money out of tax-deferred accounts to avoid a ticking tax time bomb.

Roth IRA contributions can be withdrawn anytime without taxes or penalties. Converted Roth IRA funds are tax- and penalty-free after five years from Jan. 1 of the year of the conversion.

Deciding between pre-tax traditional IRAs/401(k)s and post-tax Roth IRAs/401(k)s is not a one-size-fits-all decision ... in Retirement Strategic Roth IRA conversions can set you up for tax ...

In the near future we'll be given the opportunity to roll the money into the new larger 401(k) plan, withdraw it, or roll it into a Roth IRA ... probably be the worst decision, as you could ...

But if your balance falls below that $7,000 threshold, some of the decision ... to convert your traditional 401(k) assets to Roth. If you decide to roll Roth 401(k) contributions to an IRA or ...

For example, you may want to begin converting traditional IRAs into Roth IRAs in your early 60s ... year by spreading out real estate sales, IRA conversions, or other capital gains so they don ...