Roth conversions are highly specific to each person's situation. For example, do you also pay state income tax? Do you plan to move to a different state? What are your account balances? What are the tax brackets of your heirs? Are you expecting you'll leave the Roth accounts to your heirs?
I'd ignore people talking to you, which I think you are already doing. Why are they bugging you and why do they know you've recently retired?
This is a do it yourself forum, so if you have the time and interest I'd recommend one of the tools to look at it yourself and understand your numbers. Most of us feel its a good use of our time to learn this after we retire, and be able to do a good job of managing our investments and taxes by ourselves.
I used Pralana Online (with one year paid subscription). Didn't need it after that.
If you want someone to discuss it over with a very low cost option is Mark Zoril PlanVision.
Welcome to the forum, you haven't picked the easiest one to start with but with a moderate amount of time over the next several months I am confident you can figure it out yourself or with some free/low cost help. In the end, none of us can predict the future. We don't know if tax rates will be lower or higher in the future, and it's probably even a guess on what state we will be living in 20 years from now. When the analysis comes down to things you have no control over that's where I stop and go with something "good enough".
I'd ignore people talking to you, which I think you are already doing. Why are they bugging you and why do they know you've recently retired?
This is a do it yourself forum, so if you have the time and interest I'd recommend one of the tools to look at it yourself and understand your numbers. Most of us feel its a good use of our time to learn this after we retire, and be able to do a good job of managing our investments and taxes by ourselves.
I used Pralana Online (with one year paid subscription). Didn't need it after that.
If you want someone to discuss it over with a very low cost option is Mark Zoril PlanVision.
Welcome to the forum, you haven't picked the easiest one to start with but with a moderate amount of time over the next several months I am confident you can figure it out yourself or with some free/low cost help. In the end, none of us can predict the future. We don't know if tax rates will be lower or higher in the future, and it's probably even a guess on what state we will be living in 20 years from now. When the analysis comes down to things you have no control over that's where I stop and go with something "good enough".
Statistics: Posted by stan1 — Wed Jan 14, 2026 9:56 am — Replies 16 — Views 1050