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<< I am in the 15% bracket and all my IRA's are the standard type. I have a healthy IRA portfolio, and a healthy DRIP one. I receive a Federal pension and Soc.Sec. In 2 years I will be 70+
Why should I entertain the notion of converting some of my IRAs into a Roth?? Won't the income tax on the conversion up front kill me?? >>

Not if you convert small enough amounts that you stay within the 15% bracket. Remember that when you begin the required distributions, they must be in addition to any amounts you convert in a year.

Phil Marti
Tax Preparer
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