Help. Do I convert in 98, which will be a low agi,but next three years will be big agi's or do I wait until 99 and plan on a low agi (15%) ? Is the tax on the converted IRA amount found by multiplying 15 times the amount for 99? and paying the tax all in 99. It may be better not to use the 4 year spread. What are your thoughts.
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