IRA to Roth Conversion - related question on taking SS later

[megacorp-firee]

Here is offshoot thread 3 from the Take SS Early thread:

Quote:

Originally Posted by megacorp-firee now you all have surfaced another twist on this. One additional reason to NOT take SS early is to keep the income down so that one could convert their IRA to a Roth IRA at a reasonable marginal tax rate, .... say 20%. hmmm looks like another thread to start....

Questions:
1) Doe it make sense to overtly keep taxable income down so that you can convert your IRA to a Roth at a reasonable marginal tax rate (20%?) so that you keep the RMD lower @ 70 1/2?
2) Is this another reason to take SS later?

In my instance, I will have a 50K pension and currently about 20K in a mix of qualified/non qualified dividends, tax exempt interest, taxable interest.