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For example, if your large IRA/401k account balance is going to force a huge tax payment at age 72 when the RMDs now begin, you may be able to reduce that tax liability by doing Roth rollovers in the years prior to age 72.

won't you have to pay taxes on the rollovers ?

Yes. All you are doing with a Roth conversion is changing when you pay your tax liability. This raises several interesting questions.

(1) How large and how many Roth conversions need to take place to have an effect on your future RMD withdrawals?

(2) Will paying taxes with each Roth conversion appreciable reduce the tax liability on your future RMD withdrawals?
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