[M2inOR]

It's dependent on the size of your IRA. It depends on your life expectancy. It depends on your taxable accounts.

Check out Craig Wear. He has published several books on the topic of IRA to ROTH-IRA conversions.

I've completed 4 years worth of conversions and am at the point of whether to do a 5th year.

Before starting several years ago, I realized that my anticipated RMDs would deliver more income than we needed. I learned about the possibility of converting. I did the math myself, and wanted a 2nd opinion.

I contacted Craig Wear, Paid the fee, and got a detailed plan that worked for us.

The only surprise was IRMAA, but fortunately, we had a tax-free fund from my wife's retirement plan that took care of paying the very high IRMAA. We also had enough savings in our taxable account so that we did not need to use and of the IRA conversion to pay the taxes. One year we reached the 37% bracket, the other years we stayed in the 22% bracket.

We both delayed taking SS benefits until we reached age 70.

We are quite happy with our conversion guidance and the process.

Note well: every situation is different. The books Wear has published will help you decide whether a conversion is worthwhile. For US, it has worked out very well, and we won't need to convert all our IRA funds.