It's important to have a well-thought-out plan.

It's possible to make penalty-free withdrawals from a retirement account before turning 59. Here's how the strategy works.

$5,000 contributed annually from birth compounds to $3.3 million tax-free by age 60 using a custodial-to-Roth conversion strategy. The IRS requires children's Roth contributions to match real ...

Tue, March 31, 2026 at 6:52 PM UTC Let's say a couple retires at 63 with $2 million in a traditional 401(k) and has no RMDs for a decade. Their taxable income is low, and that window is the most ...

A dual-income couple earning $300,000 between them, ages 60 and 58, has roughly $1.6 million in pre-tax 401(k) accounts and plans to stop working at 62. Their actual question, the one that gets asked ...

What are the 5 Types of Roth Conversion Strategies? Did you know that the correct Roth conversion strategy can have a significant impact on how much your clients will pay in taxes over the course of ...

The pre-retiree forum question keeps appearing in different forms: a 54-year-old software engineer with $1.4 million in a 401(k) wants to stop working at 55 and bridge to Social Security at 67 without ...

There are plenty of reasons to consider a Roth conversion ahead of or in the early stages of retirement. With a Roth conversion, you move money from a traditional IRA or 401(k) into a Roth IRA. The ...

If you think retirement planning moves stop at retirement, think again. For high earners, converting an IRA to a Roth IRA while you're still working could be the worst time of all. Although it won't ...