Early Retirement With a Roth Ladder: Strategy and Examples

A Roth conversion ladder can help early retirees access retirement savings before age 59 ½ without triggering the usual early withdrawal penalty. The strategy works by gradually converting pretax retirement money to a Roth IRA. However, timing is critical: Each conversion generally has its own five-year waiting period before it’s possible to withdraw converted taxable […] The post Early Retirement With a Roth Ladder: Strategy and Examples appeared first on SmartReads by SmartAsset .