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We are doing partial conversions for the few years between retirement and starting RMD.

The previous posts covered many items. Two other items for ROTH conversion is managing RMDs and estate planning.

An inherited asset that carries the most income taxes is a traditional IRA (and other pre-tax retirement plans) and an inherited asset with the least income taxes is a fully qualified ROTH IRA (ROTH 401K).

Conversions during low income years minimizes income taxes. Converting to a ROTH IRA decreases RMDs. ROTH 401Ks require RMDs. A ROTH 401K can be rolled over to a ROTH IRA which doesn't require RMDs.

The most "successful" ROTH conversions are for assets that aren't planned on being used for a long time or are part of an estate plan.

Many will require long term care. Once long term care qualifies as a medical expense then long term care expenses are deductible as a medical expenses. At that point the issue normally becomes a cash flow problem more than a tax issue.
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