It all depends on your personal tax situation - I too have a near term RMD coming up, and in my situation, the RMD is going to drive me into a higher tax bracket, but there is really nothing I can do to reduce that - a Roth conversion would simply further drive up my tax bill. I'm just going to bite the bullet, take the annual RMD and send most of it to my kids in the form of a gift, and ask them to be prudent with it. I can't see where I can do anything else.
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