Be sure you understand the tax consequences before making the change Cathy Pareto, MBA and CFP®, is the founder and president of Cathy Pareto & Associates Inc. For more than twenty years, Cathy has ...

Higher-income earners must make 401(k) catch-up contributions with after-tax dollars and place them in a Roth account.

If you want to roll over money from your 401(k) into a Roth IRA, there’s good news: any employer matching funds in a 401(k) ...

The IRS announced higher 401(k) contribution limits for 2026, including a $24,500 cap for employee deferrals and expanded ...

From a legal and regulatory standpoint, it is never too late for a Roth conversion. Under the rules, you can transfer ...

In a previous article about Roth conversions, an advisor wrote: "For many folks, a prime time for Roth conversions takes ...

Yes, you can tap a qualified Roth IRA while still working, but 401(k) access depends on your plan's rules.

Qualified distributions are allowed at age 59½, but an exception may allow you to make a penalty-free withdrawal ...

The Secure 2.0 Act rolled out several changes to 401(k) retirement accounts. Here is a list of the biggest ones and what ...

Before you contribute to an IRA, consider future tax brackets, withdrawal rules and the long-term benefits for heirs.

Roth strategies are not going away. But the way certain federal employees use them is changing, and the timing of your ...

Fidelity has flagged the Roth five-year rule as one of the most misunderstood features in the US retirement code, and the 260-page final regulations the IRS released on inherited accounts in July 2024 ...