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Subject:  Re: IRA to Roth IRA Conversion Date:  7/29/2013  2:27 PM
Author:  aj485 Number:  72711 of 78166

As pointed out, there's not enough information.

I would say that there's enough information to have a discussion of the concept of converting from a Traditional to a Roth a little at a time, which seemed to be what the OP was looking for.

The investment income could be cashing in on the investments in a taxed account.

Then I guess you and I have different definitions of 'investment income'. To me, 'investment income' is income that is derived from investments, without selling the underlying investment. If one needs to sell the underlying investment, then one is digging into capital, which I don't count as 'investment income', but rather, 'realizing capital gains/losses'.

The goal shouldn't be to minimize taxes paid each year but rather get the money out of a traditional IRA at the lowest tax rate. This could be done through conversions or withdrawals.

What was said about taxes was Since the OP already is generating enough income to live on, and pay taxes from, there is no need to substitute IRA withdrawals for investment/rental income. The OP's idea of converting from traditional to Roth IRAs is more likely to result in lower tax bills than starting early IRA withdrawals that are not needed for income.