That choice boils down to the marginal tax rates on conversion in "this year" vs. the marginal tax rate to withdraw/convert in a future year.One that can entertain Roth Conversions....
See Whether, when, and how much to convert.
See also Estimating future marginal tax rate. Unfortunately no tool can guarantee values for any of those inputs, so you'll have to take your best guess. Given an estimated future marginal tax rate (say, a few years after you expect to be taking SS and RMDs)*, converting through that rate "this year" is reasonable. Rinse and repeat in each succeeding year.
*Unless most of your money will go to heirs, in which case you'll need to estimate the heirs' rate.
Statistics: Posted by FiveK — Fri Jun 28, 2024 10:59 am