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My husband plans to retire soon. We wonder if he should take a lump sum amt. since we won't need if for 5 years and if we should transfer it into a reg IRA and then into a Roth over a period of years ( A Roth wound generate less income tax in our estate so we would be paying taxes now so that our children won't have to) He works for Qwest and we have no way of knowing how stable the company will be. Does anyone have any ideas about this? Thanks
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