Financial advisor fully funds their Roth IRA at the start of each year: It’s ‘essential for me’
Investing Early: Charly Stoever’s Strategy Even though it’s just February, Charly Stoever has already made a big dent in their investment plans for the year. As the founder of Traveler Charlie Money Coaching, Stoever kicks off each year by maxing out contributions to their Roth Individual Retirement Account. This means they’ve already hit the 2026 […]
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 […]
5 important reasons to avoid switching to a Roth IRA in 2026. It may cause more harm than benefit without your awareness.
Considering a Roth IRA Conversion? Here’s What to Keep in Mind Switching a traditional Individual Retirement Arrangement (IRA) or 401(k) to a Roth IRA certainly seems financially savvy at first glance. The idea is to take money from your retirement account, pay some taxes upfront, invest it in a Roth IRA, and then enjoy tax-free […]
At 59 and a half, I transferred $800K from my old employer’s plan into a Roth. Was that the correct decision?
Question: I’m 59 and a half years old, with $800,000 rolled over into a Roth account from a former employer. I’ve also switched my 401(k) contributions to a Roth three years ago, which now totals about $70,000. Should I keep contributing to the Roth option with my current employer, or should I change back? Would […]
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 […]
This investment account is “similar to an upgraded Roth,” according to an expert, and 6 million additional Americans can now contribute.
Expansion of ABLE Account Eligibility Starting from January 1, 2026, around 6.1 million more Americans will gain the opportunity to open and contribute to an Achieving a Better Life Experience (ABLE) account, as reported by the National Institute on Disabilities. These accounts, created by Congress in 2014, provide tax benefits and are aimed at Americans […]
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 […]