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I've looked at Roth conversions; however, most Roth conversion calculators that I've used conclude that a conversion isn't worthwhile unless I have enough idle funds in banking or saving accounts to pay the Federal and state income taxes.

My IRA accounts have been quite successful since they were opened with a rollover from a former employer's 401(k) in 2002. Attempting to convert any one of the Traditional IRA accounts to a Roth IRA would place me in the highest Federal and California tax brackets, i.e. 53% of the account's value would go to pay income taxes.
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