Dr. JeFreda R. Brown is a financial consultant, Certified Financial Education Instructor, and researcher who has assisted thousands of clients over a more than two-decade career. She is the CEO of ...

A smart Roth conversion strategy reduces future taxes, protects a surviving spouse and avoids Medicare premium surcharges.

Quick ReadInvestors who converted at April's lows and held SPY captured the full rebound to $748 entirely tax-free inside ...

A Roth IRA conversion lets you move money from a traditional IRA or 401(k) into a Roth IRA. You’ll pay taxes on the amount you convert now, but you’ll gain tax-free growth and withdrawals later in ...

Q. Dan, I will be required to start taking withdrawals from my IRA in 2030. We have military retirement pay, Social Security, and a small pension so my wife and I don’t need to take money from the IRA ...

Forgetting to take your first RMD by April 1 in the year after you turn 73 can result in a significant tax penalty. “If you ...

A Roth IRA retirement account allows after-tax money to grow tax-free. Learn more about their rules, eligibility requirements ...

Roth conversions to secure tax-free withdrawals during retirement are gaining popularity as Ge n X gets closer to retirement, but financial advisers warn that the decision to convert should be ...

Converting a traditional IRA to a Roth IRA accelerates taxes rather than avoiding them. The best time to consider a Roth conversion is before Required Minimum Distributions (RMDs) begin. Factors like ...