Hi Bill,

Wanted to thank you for getting me to really think about the Roth conversion, and for replying to my tax bracket questions.

Even if I assume that I'd be in the 15% bracket at retirement, everything I've seen seems to point to the Roth being the better alternative, as I have more (much more) than 10 years to go until retirement and can pay with non-IRA funds. I site Pixy's article and the Fairmark site, among others.

Also, the Roth seems much more flexible and I can take the taxes over 4 yrs if I do it now. Not to mention that I recently lost 15k ("only" worth 30k now) in my 401k, so I'd have less to pay now anyway!
Then the funds can keep growing tax-free during retirement, yet are available if needed as soon as 59.5 yrs (if not sooner for special cases).

Overall, I believe I'd have more money later, and access to it would be more flexible with the Roth. I still am maxing my new 401k, and am thinking of keeping that one in a 401k/regular IRA.

Thanks again for your insight!
Best Regards,
-WeezFool