desanti asks -"i am retired and 70.3years old.i have a 401k of 340,000 dollars and i have ira(s) of about 85,000 dollars.i live on my pension and social security and have no need for a distribution in the future(if all remains the same).i have no deductions to speak of(property tax,contributions,health etc.).i could pay the taxes due on the 401 and the ira's.should i convert to roth?? thanks.p.s. my tax bracket is about22 per cent of adjusted income.state and federal.thanks again."When you ask if you should convert to Roth, I ask why? What are you trying to accomplish? I guess I don't see much use in converting IRA to Roth just for its own sake! Perhaps if you consider what goals you may have (i.e. estate planning, legacy, etc.) you'll be better able to determine what to do with surplus (retirement) funds.Regards, PP
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