Roth conversions can create long-term savings for one household, but can trigger higher taxes, Medicare premiums or lost deductions for another.

Quick ReadConverting a $1.28 million traditional IRA to Roth eliminates mandatory RMDs at 73 and can generate $5,150 a month ...

A single filer with $1.6M in a 401(k) can convert $43,000 annually into a Roth IRA at 12%, totaling $344,000 before RMDs begin at 73. Skipping conversions lets the account grow to $2.55M by 73, ...

A perfectly legal, advisor-approved tax move can trigger a Medicare bill two years later that has nothing to do with your income at the time, and once it hits there is no appeal available. One dollar ...