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Converting an IRA to a Roth after age 60 has no age limit or income cap. See how the gap-year window in your 60s, RMDs, IRMAA, and the 5-year rules work.

Best Roth conversion consulting for IRA millionaires near retirement: the pre-RMD gap years, bracket-fill sizing, IRMAA, fees, and how to vet an advisor.

Can you convert an inherited IRA to a Roth? For non-spouse heirs, no. Only a surviving spouse can. See the exceptions, workarounds, and 2026 rules.

The Roth conversion deadline is December 31, 2026, with no April 15 extension. See the Dec 31 vs. April 15 rule, custodian cutoffs, and the year-end tax trap.

Can you work while taking a 72(t) distribution? Yes, wages and self-employment income never change your SEPP payment, plus the still-employed IRA workaround.

Why 90% of Roth conversion plans miss the real destination: they skip the lifetime tax number. See how to define yours for joint, survivor and heir scenarios.

Roth accounts held at least 7.2% of the $33.4T in U.S. IRA and defined-contribution retirement assets and 12.5% of the IRA book at year-end 2025, per ICI aggregates.

Q3 Advisors restates 39 years of the U.S. 401(k) contribution limit in constant 2026 dollars: the $24,500 cap sits $3,922 above its inflation-tracked 1987 value.

Q3 Advisors ranks the most tax-friendly states for retirees on a 2026 Roth-conversion score covering income tax, retirement-income exclusion, Social Security, and estate tax. A $100,000 conversion costs $0 in nine states.