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I've had LTC that I purchased in 2003, and every 7 years they are allowed to change the premiums. This year, they are offering 3 options: 1. Keep daily benefit $127 plus 3.9% auto-compound inflation, unlimited lifetime benefit. New premium goes from the current $52/month to $64 a month, then...

sorry, ignorant question follows: does the 4% withdrawal mean drawing down your portfolio (ie, if portfolio is 100,000, you withdraw 40,000 and spend it? but if you are just spending your dividends, but not drawing down the portfolio, is that a 0% withdrawal rate?

Converting Traditional IRA to Roth

Is now a good time to convert Traditional IRA assets to a Roth? My thinking being that it would limit any capital gains I'd have to report for the conversion, and then I could stick the money into the Roth in the exact same funds as before... Is my thinking right?

I’ve read that I need my expenses x 25 (ish) as my retirement nest egg. Do those retirement expenses include annual taxes on the nest egg? Or is that already calculated in the 4% withdrawal rule...? Thanks!