Talk of The Villages Florida - View Single Post - IRA to ROTH and taxes on SS
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Old 07-20-2017, 07:25 AM
petsetc petsetc is offline
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IMHO Roth conversion is purely a taxable decision. Somewhere in Nov/Dec, I do a tax "mock-up" (using last year's turbotax) and base my decision whether to convert on (how I feel about) the tax consequences. Have done so for the last 12+ years and have essentially driven my taxes into the less than 10% range after any conversion. Still have a small RMD, but it has become essentially tax-free.