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 ...

High earners executing the backdoor Roth IRA often trigger an unnecessary tax bill through a single timing mistake. The strategy itself remains sound and legal as of mid-2026, with the IRS continuing ...

Do Roth conversions make sense at age 60 or beyond? It depends.

With 2026 income limits making direct Roth contributions off-limits for high earners and the rate environment now stable, ...

USA - 1998: 34p x 45p Camille Weber color illustration of Roth IRA and traditional IRA racing each other in a marathon. (Lexington Herald-Leader/Tribune News Service via Getty Images) Back in 1997, ...

Roth individual retirement account conversions can reduce pretax balances and begin tax-free growth. But the trade-off is the converted balance boosts your income, which can trigger other tax ...

After Donald Trump signed a sweeping tax and policy bill, the One Big Beautiful Bill Act, into law on July 4, Roth conversions could end up costing some clients money, warned Robert Keebler, a CPA at ...

You want Roth savings in retirement, so you don't have to pay taxes on your withdrawals. But so far, most of your savings are in traditional IRAs or 401(k)s. That's not a huge problem. It just means ...

A routine Roth conversion that looked like smart tax planning quietly triggered a cascade of losses this Chicago retiree ...

Two financial planners take on the establishment with a new view on retirement taxes Should you do Roth conversions? Stick to the math for the answer. When it comes to paying taxes, less is obviously ...

A seven-figure traditional IRA can look like the promised land at 62, but the tax bill is already quietly winding up to strike in the background. Once Required Minimum Distributions begin at 73, the ...