Roth IRA

Learn about contributions, early withdrawal penalties, and distributions to help you avoid paying taxes on your IRA and 401(k) retirement funds.

There are a lot of factors to consider when developing an estate plan that can minimize taxes. Learn the differences between estate tax versus inheritance tax.

Interested in contributing to a Roth IRA? Here’s what you need to know about Roth IRA income and contribution limits in 2022.

It's important to understand the inherited IRA rules with the latest SECURE Act change of eliminating the "stretch IRA" for most nonspouse beneficiaries. Here's how to navigate these rules.

Wish you could contribute to a Roth IRA, but you're above the income limit? Consider using a backdoor Roth IRA to make it happen.

Considering the many disruptions and complexities of everyday life in 2020, charitable donations and tax strategy might not be top of mind. But some charities need help now more than ever. And recent legislation has changed some of the rules.

It's never too early to teach kids about IRAs and finances to help them start saving for their own retirement.

Not everyone has a 401(k) plan through their employer, but that shouldn’t be an impediment to saving for retirement. There are other tools, such as IRAs.

New RMD rules require withdrawing funds from your IRA and 401(k) at 72. If you don’t take the required minimum distribution, you could face a tax penalty.

Learn the rules around IRA tax deductions for 2020. What are the different types of IRAs, and how can you choose the right one for you?

What’s the difference between a Roth and traditional IRA? When does a Roth IRA make sense? Can I have both? TD Ameritrade can help you decide.

Understanding the basics of an Individual Retirement Account (IRA). This is a brief IRA 101 article defining what is an IRA.

The COVID-19 pandemic has made this an interesting year for investors—particularly for those in or near retirement. But is it fair to call 2020 a “game changer” for retirement planning?

A leadership change in the White House could mean a shift in policy priorities, but if you’re a long-term investor, other factors such as earnings, taxes, and interest rates may be larger concerns. Perhaps now’s the time for a post-election portfolio review.

Pension plans and other defined-benefit plans have been going by the wayside in favor of defined-contribution plans such as 401(k)s and IRAs. Learn why and what you can do.

With the stretch IRA gone thanks to the SECURE Act, it might be time to revisit your estate plan. If you have money in a traditional IRA, you might consider a Roth IRA conversion.

Millennials lead the way in first-time homebuyer stats and appear ready to move forward with this important milestone. But a few roadblocks still exist.

Understand Roth IRA withdrawal rules and how to avoid penalties.

Many retirees are surprised to learn that, above a certain income threshold, Social Security can be subject to taxation. Here are strategies to consider.

Are you a member of the military or a federal employee? Here’s what you should know about Thrift Savings Plans. Plus, new changes just went into effect in September 2019.

Have 401(k) questions? We’ve got answers to the most frequently asked 401(k) questions to demystify the most common type of retirement plan. Explore contributions, taxes, withdrawals, and penalties for your 401(k) plan.

Trading in your retirement account has several potential advantages and disadvantages to consider as you develop your strategy.

Some financial professionals have recommended life insurance policies as a retirement funding source. While it’s true that some policies can offer protection and act as a retirement savings vehicle, such a strategy might not be the most effective. Here are three alternatives.

It’s important to have a retirement plan in place, but if you have to retire early, what sources of income can you rely on?

Seniors are returning to the classroom to continue their education and skills for a more fulfilling and meaningful retirement.

Freelance work can offer advantages like flexibility, but it also comes with more financial risk and uncertainty. Consider tax-advantaged retirement accounts to help combat some of the financial negatives of freelancing.

Baby boomers will soon start to enter retirement, and with life expectancy extending, there will be many volatile factors to consider for your own retirement.

If you have both taxable and tax-advantaged accounts and can choose which securities are held in which accounts, here are some ideas to help you decide where to invest.

Ready to invest for retirement? Learn a few simple steps to get a retirement investment portfolio ready for the road.

Is someone in your family moving from lecture hall to office this year? Here are a few ways to help 2019 graduates get a head start toward a strong financial footing.

What's the difference between a 401(k) and a 403(b)? Find out when the 403(b) might work for you.

Learn how Social Security works and how to maximize your benefits and retirement income.

Are you ready to start estate planning and writing a will? Let's explore several dos and don'ts of the estate planning process.

How can maxing your IRA contributions help you in the coming tax season?

Asset dislocation—liquidating or selling the assets in your retirement accounts—involves tax planning and budgeting, among other things. Are you ready?

As the year winds down, it’s time to assess your retirement accounts, look at your retirement plan and determine if you should make an annual contribution.

Build your retirement nest egg with an individual retirement account. There are tax advantages of Roth, Traditional, SIMPLE and SEP IRAs.

College costs are rising at a faster clip than inflation, leaving many parents in a financial lurch. Nontraditional accounts like a Roth IRA may help.

Where retirement planning and reality intersect, tough decisions loom. TD Ameritrade retirees share what they know now that they wish they knew then.