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URL:  http://boards.fool.com/thanks-to-all-for-the-answers-and-info-phil-i-30589592.aspx

Subject:  Re: IRA conversion / inherited IRA Date:  3/14/2013  12:10 PM
Author:  caretaker2 Number:  118054 of 123001

Thanks to all for the answers and info.

Phil,

I take care of ALL my uncle's needs, 24/7 and have done so for 12 years now. I put his interests before my own. At times, this has been to the detriment of my own needs -- e.g. for sleep, medical attention, attention to my own finances, my own home.

My uncle appreciates all that I do for him and wants what is best for me as well. (He also recognizes more than I do that if I don't take care of myself, I won't be in any condition to take care of him. I tend to think I'll have more time for me 'later'.)

My "preferences" are simply that, 'what I would prefer'. If I were one to act merely on my preferences rather than what would be best for my uncle, I wouldn't be asking questions and I would have changed his traditional IRA to a ROTH IRA long ago.

The answers to my questions will help me determine not only what is best for my uncle but also whether, in the case of his IRA, my preferences and his best interests are aligned.

As far as the RMD kicking my uncle into a higher tax bracket is concerned:

if he had NO RMD he would be in a lower tax bracket, would pay less taxes on his Soc Security benefits, etc.

The purpose of 'graduall