SecondCor521
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But, doesn't that actually encourage Roth conversions by folks like me, with a large tIRA and only one heir?
I understand your point, but I don't think the "tax bump" will reduce conversions. I think it encourages them for folks with a large tIRA.
It wasn't my point originally. Someone else made it (bingybear I think?), and I was just explaining it to someone else who asked. And the original poster's point was from the POV of the beneficiary, not the original owner.
Yes, if you have a large tIRA and only one heir, it certainly could make sense to do Roth conversions to reduce the impact of that tax hump on that heir for those 10 years. It depends on a lot of factors, though, including your other assets, age and tax bracket of the heir, your health situation, your estate plans, whether you're married, etc.