Roth conversions may not be right for everyone.

There's a reason higher earners tend to reach the end of their careers with little to no money in a Roth IRA. Higher earners are often barred from funding Roth IRAs directly. And ...

Retirement planning doesn’t have to feel like a distant dream slipping further away with every passing birthday. Hitting 45 often sparks the panic of lost time, but here’s the truth: one powerful ...

While the traditional retirement age of 65 is a social construct born from the 1935 Social Security Act, the IRS age of 59.5 is a cold, legal reality. As such, the primary challenge facing today’s ...

Roth conversions may benefit from historically low tax brackets and generous deductions available through 2028 under current ...

In the decades when you're planning for retirement, the focus of many savers is to build up a substantial nest egg. But after you hit retirement, the focus shifts to efficiently using the funds by ...

The Certified Roth Conversion Specialist™ (CRCS™) designation launches to certify advisors in Roth conversion analysis that helps clients avoid costly errors ...

Roth conversions increase AGI and can trigger higher tax brackets, Medicare IRMAA surcharges, and taxation of up to 85% of Social Security benefits. Medicare IRMAA surcharges use a two-year lookback, ...

IRMAA surcharges start at $109,000 income for single filers in 2026. High earners pay up to $487 extra monthly. Roth IRA distributions don’t count as taxable income for IRMAA purposes, potentially ...