My understanding is that you could convert a portion of your conventional IRA every year instead of a full conversion into a Roth. This would lessen the impact on taxes. An accountant would have this information.
My issue with the conventional IRA that I didn’t realize until 70 1/2 is that the percentages that you are required to withdraw increase every year. The downside of this occurs during an economic downturn (Great Recession) when you would like to stop withdrawals but the RMD is still required on a conventional IRA.
There are a number of RMD calculators on the internet. You can plug in your numbers and watch the withdrawal percentages go up and your account value go down.
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