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Roth Conversion -- for Estate Planning.

There is one excellent reason for conversion which is not talked about much. (Though the original question probably came from a person not interested in this aspect.)

THE ROTH is an excellent estate planning tool. If the money will not be needed for retirement purposes (due to other income/resources) the Roth makes an excellent "gift" to a beneficiary, since there are no required withdrawal requirement as there are on Conventional IRAs.

The money in a Roth, if a younger person is the beneficiary could stay inside a Roth for a LONG TIME, and when taken out would have NO TAXES due on it, even to a beneficiary (as I understand it).

The latest changes may make it possible for a THIRD person to inherit it, IIRC.
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