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Once I hit age 65, and switch to Medicare, I'll do Roth rollovers from age 65 to 70 to minimize RMDs at age 70 and beyond.

One problem is that if your regular IRA is a lot larger than your Roth -- which is likely if you roll a 401K into your IRA -- you just can't rollover very much until you hit the top of the 15% bracket. And then you not only pay 25% tax but your LTGCs and dividends get taxed, too.

I realize, of course, that this is akin to complaining that you've had to eat Prime Rib 5 times this week. ;-)
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