For well over 20 years I have been guilty of the sin of cluttering. It is only now, after I was finally forced to address the consequences of my actions, that I can write this column. This is my confession.

Next year investors will be given a once-in-a-life-time chance to convert their traditional individual retirement accounts into Roth IRAs regardless of how much you earn. Most savers’ knee-jerk reaction is to convert, pay the taxman now and forevermore be free of giving the government a cut of their tax-deferred retirement money. When I dig beneath [...]

Although the deadline, April 15, is still a good three months away, it might be time to think about contributing to your traditional IRA. That’s the individual savings plan that allows each of us to contribute up to $5,000 this year tax free ($6,000 if you’re over fifty) toward our retirement. We’re urged to contribute [...]

It’s not often that earning less is an advantage in the working world but one of the savviest things a young person can do right now is invest in a Roth IRA. You can contribute up to $5,000 a year in after- tax earned income, twice that if you’re married. If you’re 25 now and [...]