Roth strategies are not going away. But the way certain federal employees use them is changing, and the timing of your decisions is becoming far more important.

The primary factor in a Roth IRA conversion decision is the difference between the tax rate at conversion and the future tax ...

Here’s how to avoid rampant confusion about MAGI, tax-free Roth IRA withdrawals and charitable donations using IRA funds.

Many Roth conversions that look good on paper are in fact losing propositions. That's the implication of an article published in the September issue of the Journal of Financial Planning. Entitled "Net ...

As financial advisors, our heroics don’t typically make for riveting dinner conversation, but in our daily duties, we frequently step in and save the day. We wield advanced modeling tools to optimize ...

Our tax system does not work well. Some say it is broken. Many Americans pay no income taxes. Others pay far more than they think reasonable. Ordinary Americans are angry, particularly when tax ...

One of the most common retirement questions people face is also one of the most confusing. As you build your retirement savings, should you contribute to a pre-tax account like a 401(k) or IRA, or put ...

The Roth IRA from a tax perspective is seen by many as the "holy grail" of retirement planning vehicles. For those unfamiliar or those that may just be starting out on their investment journeys, this ...

Reducing your lifetime tax bill is a smart financial strategy, and a Roth individual retirement account can be a key part of that. Growth and retirement withdrawals from a Roth IRA are tax-free, ...