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Hi, philiproth!

I can’t give personal advice, but I can tell you what I would personally consider. At your age, you still have approximately 21 years until RMD kicks in, or 11 years until you can take early social security. I would consider converting some fraction (one twentieth or one tenth?) of my IRA every year to a Roth, taking the tax hit. Since you have up to 21 years to do this, you can spread the tax hit out. This way, you avoid RMDs entirely.

Tax rates are much more likely to be higher in the future than they are to be lower, and the more your traditional IRA grows the more likely you are to be in a higher tax bracket come RMD time.

I highly recommend Ed Slotts book, which covers this and other techniques:

https://www.irahelp.com/timebomb

My wife and I are both 61, and are about to start the 10 year process of converting her 403(b) to a Roth.

Bruce
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