No. of Recommendations: 1
One factor to keep in mind is to look at what will happen to the money when it is eventually inherited by someone other than a spouse. It could be that the estate planning issues are more significant than the taxes that are currently being paid.

If the money will eventually go to a person then the tax advantages of having the money in a retirement account could be worth a lot especially if they will likely be in a lower tax bracket than you. If it will go to a charity then the charity may be able to inherit the retirement account without taxes on it ever being paid.

It would depend on the details of your situation but the using the funds to pay the taxes for doing a partial Roth conversion might be a good choice.
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