Here’s why most US retirees with less than $2,000,000 should avoid Roth conversions. Are the odds against you, too?

Paying 32% today to avoid up to 18% later is generally a poor trade-off. Few retirees face a top-bracket tax rate on every ...
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Is it too late for a Roth conversion? I'm 60 with $930k in my IRA and have started Social Security.

There is no legal or regulatory age restriction on Roth conversions, so it's not too late in that sense. Generally speaking, ...