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I'll add one:
3. If you want to do a partial Roth conversion, you can convert some funds at current prices which are lower...so either convert more shares for the same tax bill, or convert the same shares you were thinking about in December 2021 but have a lower tax bill.


I followed my own logic and did an additional partial conversion earlier this week. There were no taxes withheld, so that'll catch up later. Interestingly, while I was checking the account to verify the conversion was made, I saw that several funds hit me with very large dividend payments...in the amount that will cover the taxes on the Roth conversion. Probably so much in dividends arrived because it's the end of the quarter. The dividends were swept into the cash fund, which is convenient for my last two IRA withdrawals for the year to have more withheld to cover the conversion (plus money withdrawn to pay the taxes on the conversion).

I'm trying to get in more Roth conversions this year because it's the last year I don't have to worry about IRMAA.
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