A Roth IRA is a powerful tool if you use it correctly, but no employer match, lower limits, and income restrictions make it a ...

When you leave a job, it’s generally a good idea to take your 401(k) plan with you. This doesn’t mean you should cash it out, ...

Employers can’t contribute directly to an employee’s personal Roth IRA, but they can still help with retirement savings in other ways. The SECURE 2.0 Act allows employers to contribute to ...

Legally, it's never too late to make a Roth conversion. You can do this at any time in life, in any amount, so long as you ...

Roth 401(k)s combine the features of traditional 401(k)s (pre-tax) and Roth IRAs (post-tax). You essentially are inheriting two different accounts. I address handling the traditional 401(k ...

The Roth IRA — a popular retirement account — is similar to a traditional IRA in that you can regularly contribute to the account and watch your investments grow so you have a nest egg to tap ...

Taxes are a valid concern if you want to roll over $720,000 from your retirement fund into a Roth IRA. While you won’t pay ...

How can a retiree roll funds into a Roth IRA without having any earned income? That’s a great question, and I get some variation of it often. Unfortunately, there is a lot of nuance to the rules ...

Roth IRAs offer tax-free growth and withdrawals, minimizing lifetime taxes. Younger workers benefit most from Roth IRAs, especially during lower tax years. High earners can use backdoor Roth IRAs ...

While there are several types of IRAs on the market, such as traditional IRAs, Roth IRAs, SEP IRAs and SIMPLE IRAs, we chose to focus on only traditional IRAs for this ranking. To identify our top ...

Bucking convention with my Roth IRA, I've built a strategy that transcends the traditional choice between growth and income. My current portfolio emphasizes building positions in emerging ...