At some point during your retirement years, you may find it advantageous to convert your traditional IRA to a Roth IRA, in which the taxes are paid up front and the eventual distribution comes to you tax-free. Converting is not that big of an issue, technically. It can be a big issue financially, however, because […]

With an IRA, required distributions are designed so that theoretically, your distribution period is always greater than your age*, presuming a normal growth rate. So for many retirees, the money doesn’t run out. There is money left for heirs. It’s important to consider how that money is passed on. The beneficiary of what is called […]