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I'm 63 With $1.4M in a 401(k) and Social Security. Is It Too Late to Convert to a Roth IRA?

Procedurally, it's never too late to make a Roth conversion. The IRS allows you to move this money at any time, so long as ...
NerdWallet

Roth IRA: What it is & how it works

A Roth IRA is an individual retirement account that you fund with after-tax dollars. While you don't get a tax break now, your contributions and investment earnings grow tax-free.