Would you/did you rollover 401k or let it stay?

[scrinch]

You are right but I tried to give a simple answer. Tax torpedo at RMD and future tax rate are also factors but they are guesswork at best. In fact, I created a spreadsheet to forecast just that. See if you can use this for Roth conversion decision.


PS: Tax torpedo due to RMD is concern for a HNI or extreme savers. I ran the numbers for couple of modest income retirees and they were unscathed by RMD tax torpedo.

Thanks, I'll give your spreadsheet a look (if access is granted).

And you're right. The RMD tax hit is only a problem for tIRA balances that are quite high. I should have actually said that the conversion decision should be made based on anticipated taxes during the distribution phase, not just during RMDs.