I've actually been discussing a strategy similar to Bill's with DH recently, so this discussion is very timely for me. I had not considered VKG's idea of converting funds to a Roth instead of pulling them out and putting them in taxable accounts. Unless we increase our spending goals, we are likely to leave a good sum to our kids when we die. Though the non-spousal inherited Roth will still be subject to RMDs, IMO this is still a better way to inherit money, and will allow us to control our taxable income better in life.Any glaring pitfalls? We've avoided converting our traditional IRAs to roths at this time because of high taxes, but this will go down considerably in retirement.IP
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