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Greetings, els, and welcome. You asked:

<<Also, were you going to discuss the ROTH IRA?
Might the ROTH IRA address several of the issues you
raised in your 8/8/00 article?
I would sure benefit from more info on the ROTH IRA.
My concern: If I convert, say, 20% of my IRA each year
for 5 years, and pay taxes each year, and let the
converted ROTH IRA sit for 5+years, is it worth it?
In terms of paperwork when I retire, it would be much
But what concerns me is how to evaluate paying taxes
now, and allowing the ROTH IRA to grow, and "recovering" the mo>>

The Roth will be the subject of a future article or two. In general, conversion for those in their 60s is not advisable for large size IRAs due to the income tax implications. Still, every case is different and each person must run the numbers based on their specific situation and set of assumptions.

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