we have $8.6 million in retirement accounts (mostly traditional 403B and 457B, non Roth).
ages 53/49.
two-physician household.
federal income tax bracket: 37%
state income tax: 5.75%
My wife and I jumped on the bandwagon of "Roth" for 1 year only but we have since pulled back to traditional contributions and no ROTH conversions.
The decision (to convert to Roth or not to convert, to contribute to Roth or not to contribute), as White coat investor says, is the most controversial and debated of all personal finance decisions.
For us, factors influencing our decision not to Roth:
1. age at retirement (we will have few years where we will convert dollars to ROTH after we retire and before RMD's are due)
2. current federal income tax bracket
3. state income tax now vs. a move to different state after retirement
ages 53/49.
two-physician household.
federal income tax bracket: 37%
state income tax: 5.75%
My wife and I jumped on the bandwagon of "Roth" for 1 year only but we have since pulled back to traditional contributions and no ROTH conversions.
The decision (to convert to Roth or not to convert, to contribute to Roth or not to contribute), as White coat investor says, is the most controversial and debated of all personal finance decisions.
For us, factors influencing our decision not to Roth:
1. age at retirement (we will have few years where we will convert dollars to ROTH after we retire and before RMD's are due)
2. current federal income tax bracket
3. state income tax now vs. a move to different state after retirement
Statistics: Posted by stay.the.course — Mon Dec 22, 2025 6:20 am — Replies 57 — Views 6336