My wife and I are 70 years old. We've paid off everything, including the house. Between my pension of $29,000 and Social ...

A backdoor Roth IRA allows high-income earners to move money into a Roth IRA. It is a simple two-step strategy that works ...

Paying 32% today to avoid up to 18% later is generally a poor trade-off. Few retirees face a top-bracket tax rate on every ...

Here's how you can use the Roth conversion ladder to access retirement funds penalty free at 57 and why you should consider it.

When is a Roth conversion a good idea? Readers are confused about their strategies. Got a question about investing, how it fits into your overall financial plan and what strategies can help you make ...

Roth conversions can be a smart strategy for a lot of people. But that doesn't guarantee they make sense for you.

Most retirees with seven-figure 401(k) balances never run the math on what their Required Minimum Distributions will look like at 73. They should. A $1.6 million pre-tax balance can throw off enough ...

You want Roth savings in retirement, so you don't have to pay taxes on your withdrawals. But so far, most of your savings are in traditional IRAs or 401(k)s. That's not a huge problem. It just means ...

(k), Social Security deferred, and roughly $10,800 of other taxable income from a part-time consulting gig and a slice of ...

A 66-year-old couple needing $120,000 a year to live faces a costly choice: pulling all $120,000 from the 401(k) feels simple ...

Sometimes moving money to a Roth IRA just doesn't make sense If you're eager to jump on the Roth bandwagon, it may be frustrating to go through the process and find roadblocks. But sometimes, you run ...

The right strategies can help you avoid a massive tax bill.