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"If I decide to start converting the traditional IRA money to the Roth, it'd be best to do that during the next few tax year(s) when we expect to be in a lower tax bracket." Yes, that's the way I see it. I like your expression "start converting" because all too often people speak (incorrectly) as if the only options are converting it all or converting none of it. We keep advising you to run the numbers. Are you handy with spread sheets or willing to learn? There's a free site at where you can access the Optimal Retirement Planner, also called ORP. It may be useful to you, to confirm your personal spread sheet results if you have one, or to fill in temporarily until you develop your own. Please note in particular the comments at that site on the advisability of the conversion -- they don't think that conversion is likely to help or hurt you. I hate paying taxes earlier than I have to, but my spread sheet (as I mentioned) indicates I should convert a (very) small part of my IRA each year in my 60's.


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