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I think I should be moving some of my 401(k) funds to one of my Roth accounts. (I have two such accounts, both established many years ago; plus, I'm over 59.5)

But what are the mechanics of doing this?
Do I contact the brokerage and have them make the starting move?
Do I designate a dollar amount that should be converted -- or can I designate some specific investments that are to be converted?

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You indicate that you are over 59.5; but are you retired, or still working?
You can do any of those things, from a tax law viewpoint. But your 401(k) plan has to permit in-service distributions, if you're still working. And if you're still working, you probably have to contact your plan administrator, as well as the brokerage, because the administrator has to initiate the transaction for a distribution from the plan.
And, if your retirement is imminent, will you be better off waiting until you retire? Will you be in a lower bracket at that point? If so, waiting could make sense.
And when you retire, you may well prefer to roll over the entire balance to a traditional IRA tax free, and from there do Roth conversions as circumstances indicate. You might have lower annual expenses, and it's just easier to do conversions from a traditional IRA to a Roth IRA with the same custodian.

Bill
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