Roth IRA conversions become more popular as Generation X gets older. Should you make the switch?
February 13, 2026, 5:07 a.m. ET A Look at Roth Conversions and Retirement Savings A Roth conversion is essentially moving assets from a traditional retirement account, like an IRA or 401(k), into a Roth IRA. The catch? You pay income tax on the amount you convert in that tax year. However, the upside is that […]
Reasons for US retirees with under $2,000,000 to stay away from Roth conversions
Many people see converting to a Roth account as a wise financial move. Advisors frequently recommend this approach, and online tools often present it as a way to save on taxes. The concept is relatively straightforward: you pay taxes now and transfer funds from a pre-tax retirement account into a Roth account, where the money […]
Roth Conversions Are Coming to the TSP; Understanding Why This Could Be More Harmful Than Beneficial for Many Federal Workers
Beginning January 28, 2026, the Thrift Savings Plan (TSP) is set to allow participants to finally make use of a feature called loss conversion. This means they can transfer funds from traditional (pre-tax) TSP balances into Roth TSP options. For many federal employees, this adjustment has been a long time coming. Roth conversions (RC) are […]
RMDs and Roth conversions: The unexpected benefits of RMDs that many US retirees overlook. Avoid making the wrong decision in 2026.
Required minimum distributions, or RMDs, often seem like a financial mess waiting to happen. They’re viewed as something to dodge. On the flip side, converting to a Roth IRA is usually showcased as a smart move. You pay taxes upfront, shift funds into a Roth, and then let your money grow without the tax burden. […]
FRTIB Addresses Feedback and Finalizes Regulations for TSP Roth In-Plan Conversions
The Federal Retirement Savings Investment Board (FRTIB) has announced a final rule effective January 28, 2026, which introduces the option for in-plan conversions to a Roth Thrift Savings Plan (TSP). This long-awaited change allows TSP participants to switch their funds from traditional TSP accounts—those with pre-tax and tax-exempt balances—to Roth accounts, which are funded with […]
Roth In-Plan Conversions for TSP to Begin in Late January 2026
New Roth In-Plan Conversion Options for TSP Participants Starting in late January 2026, participants in the Thrift Savings Plan (TSP) and their spouse beneficiaries will have the option to convert funds from traditional TSP accounts to Roth accounts. This process is known as a “Roth in-plan conversion.” When converting from a traditional to a Roth […]
Crowded churches and rising conversions: Is New York experiencing a revival of Catholicism?
Stabilization of Christian Population in the U.S. The trend of declining Christianity in America seems to have hit a pause, with about 60% of Americans now identifying as Christian, according to data from the Pew Research Center. Among these, 40% are Protestants, 19% are Catholics, and the remaining 3% belong to various other Christian groups. […]
Catholic conversions are rising as New Yorkers seek support from the church, according to priests.
In New York City, young people often seek out careers, material success, and pleasure. Surprisingly, the pursuit of faith isn’t usually part of that journey. However, during a recent crowded Sunday Mass at St. Joseph’s Church in Greenwich Village, Father Jonah Teller, OP, noted that there’s a shift happening. Teller highlighted that enrollment in the […]
How Roth conversions might reduce Trump’s $40,000 ‘SALT’ deduction for high earners
Trump to Sign “One Big Beautiful Bill Act” on July 4, 2025 US President Donald Trump is set to sign the Sweep Expenses and Tax Act, informally referred to as the “One Big Beautiful Bill Act,” at the White House in Washington, DC, on July 4, 2025. Conversions of Roth Personal Retirement Accounts have gained […]
NYC could gain over 17,000 additional apartments from conversions
New York City might find a solution to its housing shortage in an unexpected place: unused office buildings. A recent report issued by Secretary Brad Lander suggests that the initial wave of converting offices into residential spaces—triggered largely by vacancies during the pandemic—could yield approximately 17,400 new apartments from 44 different projects. These conversions, which […]