Picture a 55-year-old earning $400,000 with $1.5 million in a traditional 401(k). The plan's summary plan description allows in-plan Roth conversions, and the box has sat unchecked for years. That ...

The Roth IRA door slams shut at $252,000 of modified adjusted gross income for a married couple filing jointly in 2026, and a $310,000 dual-income household sits well above the line. The backdoor Roth ...

You researched the Mega Backdoor Roth, ran the numbers, and got excited. Then you pulled up your 401(k) summary plan ...

A 58-year-old anesthesiologist on r/HENRYfinance posted last month with a problem familiar to anyone earning above the Roth IRA phase-out: her joint MAGI sits near $385,000, well past the $242,000 ...

If you have a 401(k) at work, there’s a chance you’re sitting on a tax-free retirement loophole worth tens of thousands of dollars a year and don’t know it. It’s called the mega backdoor Roth, and it ...

A large 401(k) balance can leave you vulnerable to high RMDs if you do not use this strategy to prepare years in advance.

While the transfers are mostly used by experienced workers, there are reasons for advisers to recommend them for younger workers, too. Roth assets have long been appealing for investors seeking ...

Thrift Savings Plan participants and spousal beneficiaries can shift money from traditional, pre-tax TSP balances to Roth accounts without leaving the plan, starting in January 2026. Starting in late ...