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Civilian federal employees and uniformed service members will soon be able to convert their pre-tax Thrift Savings Plan balances to Roth accounts without leaving the plan. The Federal Retirement ...

As 2025 nears its end, it's a good time to evaluate which money moves we should make before the taxable year comes to a close. Clients often ask whether they should convert funds in tax-deferred ...

You'll owe income taxes in the year you convert ...

Be sure you understand the tax consequences before making the change Cathy Pareto, MBA and CFP®, is the founder and president of Cathy Pareto & Associates Inc. For more than twenty years, Cathy has ...

Beginning in 2010, individuals are allowed to convert or roll over certain distributions from retirement plans and IRAs to Roth IRAs regardless of their modified adjusted gross income. Complex rules ...

Think you're a savvy retirement planner? Here’s what you may be forgetting.

Having savings in a Roth account gives you access to tax-free withdrawals in retirement. It also means avoiding required ...

There's a reason Roth conversions are a big part of many people's retirement strategy. If you earned too much money most of ...

As investors strive to optimize their retirement savings and minimize tax burdens, understanding how Roth conversions benefit them becomes more important. Roth conversions have great significance when ...

Nearly all 401(k) providers now allow employees to contribute to a Roth 401(k), according to a new survey by the Plan Sponsor Council of America. But only 60% of those surveyed allow in-plan Roth ...