Should I Do a Roth Conversion Before or After a Divorce?
Going through a divorce with large IRAs or 401(k)s? See why retirement-account division, filing status, conversion taxes, liquidity, and Roth timing should be planned together.
What Is the Roth Conversion Deadline? Don’t Wait Until Tax Filing
Roth conversions don’t work like regular IRA contributions. Learn why year-end timing matters and why waiting until the final days of December can create problems.
Can I Convert an Inherited IRA to a Roth IRA?
Inherited a traditional IRA from a parent? Learn why non-spouse inherited IRA rules are different and where your own Roth conversion strategy may still fit.
Can a Roth Conversion Trigger the 3.8% Net Investment Income Tax?
A Roth conversion isn’t generally net investment income, but it can increase MAGI used in the 3.8% NIIT calculation. See why investment income belongs in your conversion math.
Should I Do a Roth Conversion If I Plan to Make QCDs?
Planning to use Qualified Charitable Distributions from your IRA? See why QCDs and Roth conversions can compete for the same traditional IRA dollars.
What Is the Roth Conversion Deadline for This Year?
Waiting until December to convert your IRA? Learn how Roth conversion year-end timing works, why the IRA contribution deadline is different, and what to do before the clock runs out.
How Does the Pro-Rata Rule Affect a Roth Conversion?
Have after-tax money in a traditional IRA? Learn how IRA basis, Form 8606, and the pro-rata rule can affect how much of your Roth conversion is taxable.
Should I Do a Roth Conversion in a Year With a Large Expense?
Have a $50,000 or $100,000 retirement expense coming? See how major purchases, cash reserves, Roth conversion taxes, and future RMDs should be planned together.
Should I Do a Roth Conversion Before Buying a House in Retirement?
Planning to buy a retirement home? See why down payments, cash purchases, mortgage qualification, liquidity, and Roth conversion taxes should be planned together.
Should I Do a Roth Conversion If I Have a Large HSA?
Have a large HSA and traditional IRA? See how medical expenses, Medicare, Roth conversions, future RMDs, liquidity, and different tax buckets can work together in retirement.