Get trusted Roth IRAs advice, news and features. Find Roth IRAs tips and insights to further your knowledge on kiplinger.com.
Four Reasons to Consider Doing Partial Roth IRA Conversions Now
Your IRA and 401(k) have potentially significant future tax implications, and with taxes possibly going up in the next few years, you might want to pay those taxes now, not later.
Five Tax Moves Retirees Should Consider Before Dec. 31
Now is the prime time to start thinking about optimizing your Roth conversions, RMDs, capital gains, Medicare premiums and charitable giving before the end of the year.
By Evan T. Beach, CFP®, AWMA® Published
Roth IRA Conversions: Benefits and Considerations Beyond Taxes
You could pay a lower tax rate now if you convert savings into a Roth IRA, but there could be more complex issues for you to consider.
By Troy Sharpe, Certified Financial Planner Published
Deferring Taxes Until Retirement? You May Want to Rethink That
If tax rates go up in the future (such as when provisions in the TCJA sunset), that could lead to a bigger tax hit, depending on the types of accounts you have.
By Scott Noble, CPA/PFS Published
Is Your Financial Adviser Doing a Good Job for You?
If your meetings focus only on investment returns, that’s a problem. These 10 questions can help you determine if your financial adviser is being lazy.
By Joe F. Schmitz Jr., CFP®, ChFC® Published
Optimize Your Taxes With These Two Common Strategies
Roth IRA conversions at today’s lower tax rates could reap significant savings, and tax-loss harvesting can offset capital gains taxes on winning investments.
By Laura Schultz, J.D., IAR Published
How to Jump-Start Your Kids’ Retirement Savings
Helping your kids fund a Roth IRA can both get them started early on saving for retirement and show them the importance of saving early and often.
By David McClellan Published
Benefits of Doing Roth IRA Conversions Early in Retirement
Retirees could cut their lifetime tax burden as well as minimize taxes’ impact on the long-term wealth of their heirs.
By Mel Casey, CFA®, CAIA Published
Should You Roll Over Your Retirement Plan When You Retire?
Here are some pros and cons of leaving your money in the company retirement plan when you retire vs. rolling it over to an IRA.
By Mike Piershale, ChFC Published
Are You Ready to ‘Rothify’ Your Retirement?
Legislation makes Roth accounts more enticing, and savers who mostly prefer to defer face tough decisions. How to choose?
By David Faulkner, CFP®, RICP® Published