Reply To: Please help settle a dispute between my wife and me

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#2474
kaneohe
Participant

Both inherited TIRAs and Roths can be stretched so that would be a secondary factor though Roth seems at a slight advantage over time if conversion tax rate and withdrawal tax rates are the same. I assume you’re paying conversion taxes from taxable funds, not the IRA?

Still, seems like you need to get a quantitative calculation over time that will depend on the assumptions you make re: future tax rates. I’m guessing you’ll end up somewhere in the middle with not enough time to convert everything before RMDs start

You might want to get Alan S.’s take on this. Post in the Retirement forum here at fairmark.com.