It is easy to assume that avoiding taxes is an ideal strategy for managing your retirement account — but it is not ideal for everyone, according to Sean Mullaney and Cody Garrett, the authors of the new book, “Tax Planning To and Through Early Retirement.” - Getty Images Roth IRA conversions are a hot topic, with an aging population and retirees trying to limit their tax burdens. When you contribute to a traditional individual retirement account, 401(k) or 403(b), those amounts aren’t taxed that year, no ...

I am retired but not yet 73. I have been doing Roth IRA conversions for a few years. I know you can’t withdraw the converted principal for a period of five years. My question is when I can access the on-going dividends that were generated from the converted stocks without paying a penalty? – Mayboline If you're doing Roth conversions it's good that you've taken the time to familiarize yourself with the rules surrounding them. That can save you a headache, as people often run into issues simply because they ...