Question: if I don't mind/can afford the related taxes, can I recharacterize (or convert?) some or all of the IRA's to Roths?As long as you meet the AGI requirements, you can convert your traditional IRA to a Roth. You can convert any amount you wish. However, in the year you turn 70 1/2, you must take your Required Minimum Distribution before you can convert any of your traditional IRA.One thing to watch out for is ending up with all of your retirement income being tax-free. Then you will end up wasting your personal exmptions and deductions, effectively paying taxes early that were not necessary to pay at all.--Peter
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