Originally Posted by gerrym51
if i was going to buy annuity(which i don't believe in) i would take ss at 70(i took mine at 62) instead of buying annuity
I was thinking more in terms of using an immediate annuity as a way to manage RMD's. The amount that can be converted to ROTHs at reasonable tax rates is limited, particularly in high tax states. I was wondering if there are ways to manage RMD's for those that have substantial balances in traditional IRA's/401K's. I think that converting a significant portion of an IRA to an immediate annuity would remove the amount converted from RMD requirements.