Retiring at age 62 and filing for Social Security will reduce a person’s lifetime benefits by up to 30% compared to waiting until their full retirement age. However, a person with $2.5 million in a Roth IRA may feel more comfortable retiring at age 62,

Consider your current tax bracket, future tax rate projections and the benefits of tax-free withdrawals in retirement

The right answer varies by individual, but here are three signs a Roth IRA could be your best option in 2025. The main advantage of Roth IRAs is that you get tax-free withdrawals in retirement, as long as you're at least 59 1/2 years old and have had the account for at least five years.

A Roth IRA, 401(k), and Social Security benefits can work together seamlessly to secure your retirement. Strategic planning helps minimize taxes and maximize income.

Converting IRA funds to a Roth account sooner rather than later can be useful, especially if you're currently in a favorable tax bracket.  By converting to Roth accounts now, your investments can continue to grow tax-free for a long period.