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From: Tom Elam <thomas.e.elam@gmail.com>
Newsgroups: comp.sys.mac.advocacy
Subject: Very OT meant for Hugh H - Roth or no-Roth
Date: Sun, 8 Dec 2024 09:37:55 -0500
Organization: A noiseless patient Spider
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I have spent some quality time looking at Roth conversions. Wow, that 
gets complicated in a hurry. Bottom line is it's not at all clear that 
there are benefits for me. So much depends on assumptions and goals. You 
would need to do a complex probabilistic Monte Carlo analysis including 
tax policy changes, longevity, market returns, and more. Plus, your 
goals key. For me it comes down to wanting to leave my estate to 
charitable entities and some family members, doing so with as little tax 
liability for them as possible. I am doing something different from 
Roth, reinvesting RMD and other investment income into income-producing 
assets. 60% was put back this year, not spent. Amazing how fast that 
compounds into even more income.