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If you have money in a traditional IRA, you may have heard about Roth conversions. With year-end approaching, and a newer tax rule for people over 65, this is a good time to understand how they work. What a Roth conversion is A conversion moves money from a traditional IRA to a Roth IRA. You pay income tax on the amount converted in the year you convert it. In exchange, qualified withdrawals from the Roth later are tax-free, and the Roth IRA owner is not required to take requ

A new job comes with a long to-do list: benefits enrollment, new logins, a new commute. The 401(k) you left behind rarely makes it to the top, so it often sits untouched for years. That is understandable, but it is worth a look. The account is still yours and still invested, and what you decide to do with it can affect your fees, your investment choices and your taxes. Nothing about it is urgent, and there is no single right answer. This is a plain-English overview of your op