“We are reluctant to pay a financial adviser 2% of assets — roughly $160,000 per year.” ...

Spreading a Roth IRA conversion over several years instead of all at once keeps more money taxed at lower federal rates. Converting $500,000 over 5 years at $100,000 annually can save over $50,000 by ...

Fortunately, there’s no age restriction on converting a pre-tax retirement account to a Roth IRA. You can roll funds from a qualifying pre-tax account to a Roth IRA at any time. A financial advisor ...

There is no legal or regulatory age restriction on Roth conversions, so it's not too late in that sense. Generally speaking, a Roth conversion may make more sense for a younger saver. However, there ...

Part of the purpose of moving funds into a Roth IRA is to enjoy tax-free withdrawals during retirement. But in the course of moving that money over, you're going to trigger taxes. And if you have a ...

Saving for your retirement in your 40s and 50s may mean playing catch-up. Here's how to save more and pay less in taxes now and after you retire later.