What Happens to After-Tax 401(k) Money When You Retire?
Have after-tax contributions inside your 401(k)? Before rolling the whole account into an IRA, learn why pretax and after-tax dollars may deserve different destinations at retirement.
Does a Roth Conversion Reduce Estate Taxes?
Does converting an IRA to Roth reduce estate taxes? Learn why Roth conversions can change the income-tax character of an inheritance without automatically removing assets from your taxable estate.
Roth Conversion or NUA? What If Your 401(k) Holds Company Stock?
Have company stock inside your 401(k)? Before rolling everything to an IRA or Roth, compare Roth conversion planning with the special NUA tax rules that may apply to employer securities.
Pay Off Your Mortgage or Use the Cash for a Roth Conversion?
Have enough cash to pay off your mortgage before retirement? See why using that money for the house can change your Roth conversion strategy, liquidity, and long-term retirement math.
How Does Sequence-of-Returns Risk Affect a Roth Conversion?
Retiring into a bad market? Learn how sequence-of-returns risk can change the way you think about Roth conversion amounts, taxes, cash reserves, and portfolio withdrawals.
Can a Donor-Advised Fund Help With Roth Conversion Taxes?
Planning a Roth conversion and significant charitable giving? Learn how a donor-advised fund may let you bunch donations into a conversion year and why the math still needs to be tested.
Can Tax-Loss Harvesting Reduce the Taxes on a Roth Conversion?
Have investment losses and considering a Roth conversion? Learn what capital losses can offset, what they generally cannot, and how both strategies may fit together.
Which Accounts Should You Spend From While Doing Roth Conversions?
Doing Roth conversions after retirement? The account you use for living expenses can change your taxable income, conversion room, liquidity, and future retirement balances.
Should I Do Roth Conversions Before My Deferred Compensation Pays Out?
Retiring with deferred compensation, RSUs, or stock compensation still coming? See why future compensation income can change the best years for Roth conversions.
Should I Do a Roth Conversion If I’m Worried About Long-Term Care Costs?
Worried that future long-term care costs could force large taxable IRA withdrawals? See how Roth conversion planning may create another source of retirement liquidity.