Roth's don't have RMDs so that may be a factor for some people.
Quote:
Originally Posted by retiredguy123
In my opinion, it doesn't make financial sense to convert to a Roth. Delay paying taxes on the traditional IRA for as long as possible because you will have more money invested. The only argument I have heard in favor of converting is, if your tax bracket is lower than your heirs, and you want to maximize their inheritance. In that case, you can convert to a Roth, and effectively increase the after tax inheritance by paying a lower tax rate on the money than your heirs would pay.
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