Rollover Old 401Ks into IRAs as a High Earner? Looking to possibly roll over my 3 old 401ks but I want to make sure I’m not missing something. I currently have a traditional and 2 Roth 401Ks from previous employers that are charging me fees that I don’t think are necessary. I will make $250k in 2025 and have a HHI of close to $500k so I don’t know if this will affect things? I’ve already …

IRAs & High Risk at 74 My dad is 74 and has about $130k in his IRA (6.7% 5y return) and a high risk $53k (14% 5y return) The high growth one has tech stocks mostly and focused dividends evenly split. His advisor is suggesting we shift the $53k to Blackrock ETF moving forward. Is that a good move? Any suggestions on what he should do will be greatly appreciated. Thank…

28 and New to Roth IRAs – Guidance Appreciated Hey everyone! I just stumbled upon the Personal Income Spending Flowchart, and I’ve been deep in the personal finance rabbit hole for the past 48 hours. Finance and investing feel like foreign languages to me, so I’d appreciate any guidance—and some patience with my ignorance, as I’m still learning the ropes. It was only yesterday that I realize…

Parents Want to Convert 401ks to Roth IRAs My parents are retired and around 70 years old. They had about $90k in federal taxable income last year from a combination of rental income, social security and a pension. They have 2 401ks with about $1.3M combined. In two years one of the 401ks is going to require that they start making withdrawals. They haven’t withdrew money from either 401k…

Question about Roth IRAs for Married Filing Separate Hello all, I have a question concerning Roth IRAs. So far this year, I have contributed $4,460 towards my 2024 Roth IRA contribution limit and invested it in FXAIX. I have only recently learned that people who are married filing separately aren’t eligible to contribute to Roth IRAs. This is my first year being married so, unfortunately, I was un…