I have a large balance in an IRA and and more in a 401(k) . I have been studying Required Minimum Distributions (RMDs) and they could put me into higher tax brackets when I'm retired than I am in now.
The question becomes how much do I convert to Roth and over how many years ?
There are financial planners who offer this service. Some charge as much as $9300 just for the plan. Please note, this is not for managing the account and making stock picks or mutual funds selections. This is just to tell you how much to convert and when.
Have any of you found a planner or software that will help with this for a reasonable fee??
Thank you
