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 ...

A smart Roth conversion strategy reduces future taxes, protects a surviving spouse and avoids Medicare premium surcharges.

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

A common window to do Roth conversions is your 60s, before RMDs begin. If you have a substantial balance to convert, your modified adjusted gross income could be high during that window. That could ...

You're dreading your 2026 required minimum distribution (RMD) because you know it's going to inflate your tax bill. But skipping it won't do you any good. Then, you'd face a 25% penalty on the untaken ...

A backdoor Roth IRA allows high-income earners to move money into a Roth IRA. It is a simple two-step strategy that works because, while the IRS sets income limits on direct Roth IRA contributions, it ...

Imagine you’re 65 with $1.2 million in an IRA and a lingering question: should you convert your account into a Roth IRA? The answer may depend on how you go about it. A Roth conversion can provide ...

A perfectly legal, advisor-approved tax move can trigger a Medicare bill two years later that has nothing to do with your income at the time, and once it hits there is no appeal available. Why appeals ...

As investors strive to optimize their retirement savings and minimize tax burdens, understanding how Roth conversions benefit them becomes more important. Roth conversions have great significance when ...

Tax changes may make it possible to convert more to a Roth for the same tax bill. If you started 2025 with a plan for how much you thought you'd convert to a Roth IRA by the end of the year, the ...

Between the year a worker retires and the year Required Minimum Distributions kick in at age 73 under SECURE 2.0, most ...