Retirement tax questions

It depends on whether you have heirs that you would want to inherit a Roth IRA.

It also depends on how long you expect to live.

At age 73 you must distribute actual RMD, which cannot be converted to Roth IRA.

Figure you have to start RMDs at 71 (old rule), but the distribution can be converted to a Roth for the next two years.

 

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