Learn how and when to convert tax-deferred accounts to a Roth IRA, the tax implications, the 5-year rule, and smart strategies like laddering or backdoor Roth conversions.

Sometimes, life goes one way when you planned on it to go another. In the case of retirement planning, let's say you've been ...

Individuals open IRAs on their own—unlike employer-run 401(k)s. Traditional IRAs use deductible pretax income, and taxed only ...

When it comes to converting a traditional IRA to a Roth IRA, 'there is the possibility to get highly tactical,' one expert tells MarketWatch The Internal Revenue Service is going to get its piece of ...

A Roth IRA conversion moves money from a pretax retirement account to a Roth IRA. The amount you convert is taxed as ordinary income. There are several situations where a Roth IRA conversion may make ...

An investor might want to convert traditional IRA balances to Roth to move from a taxable account to a tax-free account when tax rates and even values might be lower. A Roth IRA can be "on sale" in ...

A. There are a lot of rules that govern how IRAs work. Your mention of five years has to do with a provision that’s important to understand. The five-year rule for Roth conversions exists to prevent ...