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[<<Roll 401(k) to IRA and convert roughly $15,000 to Roth. Conversion allows the couple to keep
household income below $32,000, avoiding social security becoming taxable. Couple will continue
to convert ~$15,000 annually to build Roth balance.>>

With 4-year averaging shouldn't you roll over $60,000
in 1998 and nothing in 1999-2001?]

Don't see any advantage to rolling all at once. Might need to rool more or less in future years and would like to control how much comes out in any given year. I guess there could be some extra build-up by moving all the money at once, though. Thanks for the idea!
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