Roth Conversions Even More Beneficial in 2018

With the Tax Cuts and Jobs Act, passed late in 2017, federal income tax rates are currently at historic lows. These lower rates in effect for tax years 2018 through 2025. In 2026, however, rates will revert to higher rates … Continue reading

Your Retirement Income Framework

You worked hard. You saved and invested. Now you’re at the doorstep of retirement – at least you think you may have enough – and you wonder, “How the heck do I replace this paycheck I’ve been getting every two … Continue reading

Roth IRA Conversion Mathematics

Chances are you know about Roth IRAs and what makes them special.  Any contributions you make are with after-tax funds, and if you convert all or part of a traditional IRA to a Roth, you have to pay taxes at … Continue reading

Roth IRA Conversions Can Lower Your Tax Rate

Roth IRA conversions – converting money from pre-tax IRAs or 401(k)s to tax-free Roth IRAs – have been a hot topic especially among high-income taxpayers since the income limitations on conversions were lifted in 2010. Converting can now be done … Continue reading

Is It Time To Make A Roth IRA Conversion?

by Kevin Kroskey, CFP, MBA Recently the stock market has taken a sharp decline. The depressed prices make it a great time to consider converting some of your tax-deferred assets in your IRA or similar retirement plans into a tax-free … Continue reading