Want to access retirement savings before 59½ without penalties? The Roth conversion ladder makes it possible. Here’s how it ...

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

High earners aren't locked out of Roth IRAs. Here's the conversion strategy that bypasses income limits entirely in 2026.

Most investors approach Roth conversions with a simple question: Will my future tax bracket be higher than my current one? On ...

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 ...

If you were planning a Roth conversion maneuver this year, the newly-introduced One Big Beautiful Bill (OBBB) doesn’t directly impact the strategy. However, it does have an indirect impact that could ...

Have an issue with your financial planner or looking for a new one? Email questions or concerns to picks@marketwatch.com.

Roth conversions get a lot of hype, but for federal employees nearing retirement, rushing could mean higher taxes and fewer options later.

Converting a traditional individual retirement account to a Roth IRA is a powerful way to reduce taxes in retirement. Essentially, you’re choosing to pay taxes now in exchange for tax-free withdrawals ...

(CNN) — Having financial flexibility in retirement — especially in being able to maximize your spending while minimizing your taxes — is an optimal situation. (CNN) — Having financial flexibility in ...