This article is about the pros and cons of Roth conversions for different age groups.

.A Roth IRA conversion can offer tax-free growth and withdrawals, but it requires careful planning to avoid tax pitfalls and ...

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 ...

Roth IRAs are tax-free. Traditional IRAs are tax-deferred. Understanding the ramifications of tax-free versus tax-deferred in your retirement plan is a major factor in why Roth IRAs are often superior ...

Learn the updated 2025 backdoor Roth IRA strategy step‑by‑step—from contribution limits and MAGI thresholds to tax filing and avoiding pro‑rata rule traps.

Curious if a Roth conversion might boost your Social Security benefits? Here’s the reality: while converting to a Roth IRA ramps up your taxable income for that year, it doesn’t affect the way Social ...

Recent dips in the market were good opportunities to convert traditional IRAs and 401(k)s to Roth accounts, advisors say. But clients who missed out shouldn’t despair. “Periods of increased market ...

When it comes to Roth conversions, traditional advice is to convert traditional IRAs to a Roth IRA over a period of years to stay within current tax brackets. The theory is that doing so will reduce ...

Roth individual retirement accounts offer the enticing benefits of tax-free growth and the ability to make withdrawals during retirement when certain conditions are met. 1 But prior to this year, ...

EDITOR’S NOTE: Over the next three months, Donna Skeels Cygan will look at the pros and cons of Roth conversions. Roth IRAs and Roth conversions offer many benefits for investors. But they are not for ...

Roth IRAs offer a world of benefits. There are ways to get around the income limits associated with these accounts. There are also other tax-advantaged accounts you can explore. Are you ahead, or ...