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Civilian federal employees and uniformed service members will soon be able to convert their pre-tax Thrift Savings Plan balances to Roth accounts without leaving the plan. The Federal Retirement ...

Starting January 1, 2026, Federal employees and retirees will be able to convert money from their traditional Thrift Savings Plan accounts to a Roth TSP account. Federal employees can make their ...

A Roth in-plan conversion lets you take a distribution that is rollover-eligible from your 401(k) plan and roll it over to a Roth account in the same plan. The Roth in-plan conversion can be a ...

Think you're a savvy retirement planner? Here’s what you may be forgetting.

Having savings in a Roth account gives you access to tax-free withdrawals in retirement. It also means avoiding required ...

Nearly all 401(k) providers now allow employees to contribute to a Roth 401(k), according to a new survey by the Plan Sponsor Council of America. But only 60% of those surveyed allow in-plan Roth ...

Your 60s may be a good time to consider Roth conversions if you're easing into retirement with part-time work and are in a ...

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 ...

You'll owe income taxes in the year you convert ...

Beginning in 2010, individuals are allowed to convert or roll over certain distributions from retirement plans and IRAs to Roth IRAs regardless of their modified adjusted gross income. Complex rules ...

As investors strive to optimize their retirement savings and minimize tax burdens, understanding how Roth conversions benefit them becomes more important. Roth conversions have great significance when ...