Without planning, retirement can become more taxable than expected. The right contribution mix can help smooth lifetime taxes ...

A network of plan administrators helps small 401(k) accounts rolled into IRAs find their way to a worker's next workplace plan — unless it's Roth money.

Learn the essential withdrawal rules for Roth 401(k)s to prevent taxes and penalties, ensuring you're optimizing your ...

With trillions sitting in old workplace plans and small accounts often defaulting to cash IRAs, Roth dollars appear to be the ...

It's a move you might sorely regret.

The 401(k) landscape shifted significantly on January 1, 2026, and not everyone noticed it coming. 0 Act of 2022, millions of ...

Women don’t need a perfect retirement plan. Learn how IRAs, 401(k)s, and Roth accounts work, how they differ, and how using ...

High earners have to pay tax on their catch-up 401(k) contributions and deposit them into workplace Roth accounts Though annoying, there are benefits to having some money in a Roth account. Dear Dan, ...

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 ...

When financial professionals talk about the benefits of doing a Roth conversion ahead of retirement, they tend to focus on a ...

Roth IRA conversions might seem complicated at first, but they're a great way for retirees to reduce their tax burden. Learn ...

Here's why large Roth conversions at age 63 can be dangerous. Age 65 is when Medicare eligibility generally begins. If you do ...