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 ...

I encourage many clients to view their Roth account not as a retirement income source but instead as a multigenerational ...

Converting a traditional IRA or 401(k) to a Roth account can save retirees thousands in taxes over their lifetime, but only ...

The largest transfer of retirement wealth in history is happening—not to heirs, but to the IRS. Roth conversions aren’t just about tax rates; they’re about creating tax-free optionality throughout ...

Once you start taking IRA or 401(k) plan withdrawals, you'll be taxed on those distributions. Starting at age 73 (or 75, depending on your year of birth), you'll also have to start taking required ...

Many financial planners complete Roth individual retirement account conversions around year-end. Roth conversions typically require precise current-year income projections to avoid possible tax ...

Clients can maximize profits by paying the tax bill outside of the conversion — and more reminders for advisors before they ...

Roth IRAs are funded with after-tax dollars and can provide tax-free income after age 59 1/2. Money from a traditional IRA can be converted to a Roth IRA as long as you pay income tax on the converted ...

Roth conversions transfer pretax or nondeductible individual retirement account money to a Roth IRA, which starts future tax-free growth. It's a popular strategy when the stock market drops because ...

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Roth conversions are a savvy financial move, but only if you’re in the right age bracket, according to Dave Ramsey.

Truck drivers occupy two very different tax universes. Company drivers get a W-2, a payroll-split FICA tax, and access to ...