I think this all depends on tax rates. Many are surprised to their tax rate increases in retirement between Social Security, pensions, investment income, and eventually mandatory distributions.i was surprised how much my taxes dropped ..But to make Roth conversion on a large account that incurs a sizable tax bill at upper bracket rates is not worth it. I'd rather wait and pay later--waiting for something better to come along.maybe part of the 'confusion' in this thread:large conversion vsmall conversion vcontributions (before and after age 59.5?)OP is talking about the third[ i've been doing small conversions trying to keep the taxes low in order to (1) minimize RMD and (2) leave more tax-free stuff to heirs
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