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I recently went through a ROTH conversion. There is a standard checklist to determine which option is best given the situation but like anything it has to be evaluated for the individual circumstances. Basically, if the converted funds have time to grow, usually 15 years and there is money available outside the current IRA to pay for the conversion it is advisable. Taxes are at an all time low and its not unrealistic to assume they will go up in the future especially with a large US deficit. This a great tool for estate planning as well as retirement. Roths pass to heirs relatively easily and it is possible to buy unconventinoal assets like real estate through a ROTH. Renting out a property owned by a ROTH means no taxes on that income. This is a great retirement vessel.

All the best
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