Should we drain our $200,000 savings for Roth conversions on $2.3 million in our 60s?
1. Roth conversions may be beneficial before RMDs begin at age 73. 2. Future tax rates can significantly affect Roth conversion strategies. 3. Higher Medicare premiums may result from increased RMD income. 4. RMDs could push clients into higher tax brackets, complicating conversions. 5. Investment growth can significantly increase savings before RMDs are required.