Here's how you can use the Roth conversion ladder to access retirement funds penalty free at 57 and why you should consider it.

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 ...

If you’ve spent years maxing out a 401(k) or traditional IRA, most of your wealth may be sitting behind a wall you cannot touch without a penalty until age 59½. There is a strategy to work around that ...

Many retirees focus on how much they have saved, but financial experts say the order in which you withdraw your money can be ...

If you are considering doing a Roth conversion, this article is for you. This is the third column in a three-part series. The first one, “10 reasons not to do a Roth conversion,” ran in early June and ...

The right strategies can help you avoid a massive tax bill.

A seven-figure traditional IRA can look like the promised land at 62, but the tax bill is already quietly winding up to strike in the background. Once Required Minimum Distributions begin at 73, the ...

Many financial planners complete Roth individual retirement account conversions around year-end. Roth conversions typically require precise current-year income projections to avoid possible tax ...

The first required distribution at age 73 uses a divisor of roughly 26.5 from the IRS Uniform Lifetime Table. On a $1.4 ...

Once you start taking IRA or 401(k) plan withdrawals, you'll be taxed on those distributions. Starting at age 73 (or 75, depending on your year of birth), you'll also have to start taking required ...

Imagine you just made an investment – and it lost value overnight. Most investors feel disappointed when they see red on their performance chart. However, an initial loss in value, seemingly overnight ...

One of the biggest financial mistakes retirees make is focusing only on how much they have saved rather than how they ...