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No. of Recommendations: 6
I am probably in that same "tax bracket" but there's a way around that. You put it into a standard IRA, then roll it into the ROTH. My Edward Jones person does it for me every year. I get no tax break for the standard IRA doing this, but I do get to ROTH invest.

While I wish this on no one, it turns out converting to Roths would have been a terrible idea for us/me because my husband's death changed all the calculations of tax brackets both before and after retirement. It didn't seem like a good idea to pay taxes at close the highest rate in the first place but now it would have been really dumb.

Yes, his death at 59 was premature but when you look at retirement, someone in a couple is going to be the first to go.

There are also different benefits tax & estate wise for regular old taxable investment accounts and it is worth examining them.
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