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Reply to "Anyone else dealing with this issue of "gap years" before retirement? "
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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Again this fear of RMD "tax bomb" is misplaced. They don't start until 75 now. The average life expectancy in the US is 79. You are paying a bunch more tax now to avoid some taxes for the last few years of your life. [/quote] I disagree. It’s different for all. For us, if we do Roth conversions we can pay almost 1M less taxes over the life of our estate. Plus, the Roth will be much friendlier for our heirs to navigate. [/quote] This is very much an outlier type situation if you are saving 1 mil in taxes. You must have 100 mil! For most people, Roth conversions aren't going to make that much of a difference, but advisors love to sell conversions because clients want to believe that their advisor is adding value. [/quote]
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