Do Roth conversions make sense at age 60 or beyond? It depends.

Medicare's two-year income lookback means Roth conversions completed before age 63 never trigger IRMAA surcharges, which can exceed $400 per person monthly. For a couple with $2.2 million saved, ...

Quick ReadMost high earners above the Roth IRA income limit assume the door is simply closed, yet many 401(k) plans already ...

Roth conversions are one of the most powerful financial planning tools available. While they’re not right for everyone, for many investors, a Roth conversion can unlock huge tax savings. There are ...

A yellow sticky note on top of an IRS 1040 tax form with Roth IRA conversion tax strategy written on it. Many people don’t think of or are simply unaware of potential IRMAA Medicare surcharges when ...

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 ...

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 ...

Picture a 55-year-old earning $400,000 with $1.5 million in a traditional 401(k). The plan’s summary plan description allows in-plan Roth conversions, and the box has sat unchecked for years. That ...

Traditional IRAs and Roth IRAs function in the same way as traditional 401(k) and Roth 401(k) plans, respectively, but knowing the difference is vital. Traditional retirement plans are tax-deferred, ...

Richard A. Behrendt, J.D., First Vice President, Senior Estate Planner, and Blake Panosh, First Vice President, Insurance and Annuity Manager, Robert W. Baird & Co. At the beginning of 2010, a tax law ...