Thank you for your reply. As it turns out, I won't have $0 taxable income. I have a small amount of business and taxable interest income, which, when added to a regular IRA withdrawal in order to fund the Roth IRA conversion, will result in a tax liability. I used a pretty accurate income tax calculator to confirm this. If I convert $19,000, which would still keep me in the 10% tax bracket, my federal income tax would be $1,062. So now I have to decide whether it's worth it to pay those taxes this year, or keep the $19,000 (or less if I want to convert less) in the regular IRA and let it grow. I'll almost certainly be in the 12% tax bracket by the time I have to pay taxes on it, either with with a Roth IRA conversion in later years, or as a part of my RMDs, which will start in about 5 years. Not sure at this point how to make this decision. Does TurboTax have advisors that consult on these matters on an hourly fee basis? Do I have to buy a TurboTax product for that? Thanks again.
