Recent IRS rules and SECURE 2.0 provisions are prompting retirees and pre-retirees to rethink withdrawal and conversion strategies. Required minimum distributions (RMDs) now start at age 73, with ...

The IRS prohibits using required minimum distributions (RMDs) to directly fund Roth IRAs, limiting a popular tax-planning tactic for retirees. While RMDs must be withdrawn starting at age 73, they can ...

Following a series of unpredictable changes to retirement laws, measures are being taken to course-correct amid rising healthcare premiums and other economic factors. As AARP points out in its yearly ...

A 62-year-old federal retiree wrote into The Retirement and IRA Show with a question many retirees ask: Should I accelerate ...

Tue, March 31, 2026 at 6:52 PM UTC Let's say a couple retires at 63 with $2 million in a traditional 401(k) and has no RMDs for a decade. Their taxable income is low, and that window is the most ...

When it comes to managing retirement income, taxes can be one of your biggest – and most overlooked – expenses. Many retirees wonder whether converting their savings to a Roth IRA can help satisfy ...

Forbes contributors publish independent expert analyses and insights. I write about investing, retirement, & workplace savings plans. A common theme across personal finance literature is that the end ...

When I talk to clients about Roth conversions, one of the most important benefits I highlight isn’t necessarily about their own retirement; it’s about protecting their heirs. In my experience, many ...

At 70, he feels fine. Social Security covers the basics, his IRA is growing, and taking a $40,000 annual withdrawal keeps ...

Converting a traditional IRA to a Roth IRA accelerates taxes rather than avoiding them. The best time to consider a Roth conversion is before Required Minimum Distributions (RMDs) begin. Factors like ...

Couples retiring at 63 with traditional 401(k)s have roughly a decade before required minimum distributions begin at age 75, during which they can convert up to $129,000 annually into a Roth IRA at ...