The link is to an article in T Rowe Prices on line magazine, Insights. It has a very good explanation of different strategies with QCD's, QLAC's and Roth conversions.
https://www.troweprice.com/personal...c-uber=u.F47C1238-61D7-0D58-CD28-62AFED69BFB7
https://www.troweprice.com/personal...c-uber=u.F47C1238-61D7-0D58-CD28-62AFED69BFB7