Roth & IRA

In-depth guides on roth & ira planning scenarios.

• The Backdoor Roth IRA: How the Pro-Rata Rule Kills the Tax Benefit

  Why a large existing traditional IRA balance makes backdoor Roth conversions mostly taxable — and how to fix it before you convert.

• Should You Convert Your Traditional IRA to Roth While Earning a High Income?

  The math behind converting a $300K traditional IRA when you're already in a high tax bracket — and when it makes sense to wait.

• Roth vs. Traditional 401(k): How to Split Your Contributions

  A framework for deciding how much to put in pre-tax vs. Roth when you're already maxing out your 401(k) — and why the answer changes as your career progresses.