Navigating RMDs at 60: Is a $100K Annual Roth Conversion the Right Move for a $1.1M IRA?
For retirees facing Required Minimum Distributions (RMDs), converting a traditional IRA to a Roth can offer relief—but at a significant upfront tax cost. We analyze the long-term math and trade-offs for a 60-year-old with a $1.1 million portfolio, exploring whether staged conversions make financial sense.