If one has (or will have) about one million dollars in 401K's and regular IRA's and will be facing RMD in three years, is there any rationale to convert to Roth IRA's (happen to be lucky by converting from stocks to fixed income 2 to 3 years ago)? The tax bill will be about $350K leaving $650K in the Roth (conversion funds would have to be used to pay taxes). RMD in three years will be $40K per year (taxes of $10K per year at 25%). With the new estate tax and inheritance rules what is the most foolish approach? Thanks
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