To preview how to recharacterize a 2012 Roth conversion this time next year, let’s look at the rules for recharacterizing Roth conversions done in 2011. Mr. Typical is 45 and earning $75,000 with a ...

Plan for your future and learn about a Roth individual retirement account (IRA) and its contribution limits. Decide if it's the right account for you.

A Roth IRA is one of the most powerful ways to build tax-free income for retirement, but understanding the Roth IRA withdrawal rules is what keeps those benefits intact. The short answer: you can ...

With a Roth IRA, you contribute after-tax dollars, so there is no tax deduction when you put money in. The benefit comes later because your investments grow tax-free and qualified withdrawals in ...

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 ...