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

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

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 ...

“I’ve read this advice again and again.” ...

A little-known SECURE 2.0 rule means your employer’s Roth match generates a 1099-R, even if you never took a dime out of the plan.

Millions of Americans are sitting on a sizeable balance in their IRA or 401(k). You’ve spent years building a retirement fund ...

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

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

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 ...

Retiring early creates a rare tax window most people miss. Here’s how Roth conversions during the gap years can work in your ...

You may be wondering if you could fund you dream retirement with $10 million. According to a financial planner it depends on ...