If you’re saving for retirement or just trying to make the most of your retirement accounts, you might be wondering: Do Roth IRAs have RMDs? It’s a great question — and the answer is a big reason why ...

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 ...

Oh boy! Did I get your attention? You say, “But Kelly! I thought all Roth IRA distributions were tax free!” I say, “Not so fast, Sparky.” This is embarrassing. I used to think like you. Then I got my ...

There are two 5-year rules: One for contributions and the other for conversions. A subset of rules exists, based on your age. It’s important to know which qualified expenses allow you to withdraw ...

Roth IRA vs Traditional IRA decisions are some of the most important financial choices you’ll make when planning for retirement. However, they come with complications that need to be navigated. In the ...

Dear Liz: I inherited my mother’s Roth IRA when she died in 2015 and have been taking yearly required minimum distributions based on my age. My spouse is my primary beneficiary on this inherited Roth ...

Roth 401(k) and Roth IRA contributions occur on an after-tax basis. You can withdraw Roth funds tax-free in retirement. The original account owner also avoids future required withdrawals, which ...