Koolau
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
I think you are tracking. If RMDs ever go away or keep going up, Roth conversion strategies could change, depending upon one's legacy objectives. Good, bad, or indifferent, my priority has always been to "flatten the curve" as Fauci might say, staying in the same tax bracket until the dirt nap. I figure who ever is left standing as a single spouse will have $hit load of money so who cares if they pay more taxes. Also, I think my kids should look at inherited $$ (and there should be plenty) as found $$... that's how we trained them. Perhaps I will change over time, but right now I am focused on how mama and I can live on max net $$ over a reasonable life span.
Yeah, I'm sure I should think of it like you do, but I'd hate for my DW to go to the accountant and have to say "WHAT?" when she sees her tax bill sans Ko'olau.