Retirement

Watercolour and ink illustration of an older couple sitting together on a wooden park bench, smiling calmly, with an autumn park, a lake and low hills behind them.

Traditional IRA vs Roth IRA: which one fits, and how to switch

A traditional IRA and a Roth IRA both save you tax — just at different moments. Here's who wins with each account, and how to convert without an IRS surprise.

Nicolás HoyosSep 5, 2026

6 minSep 5, 2026