Which Spouse Should Do Roth Conversions First?
One spouse has a much larger IRA or 401(k). Which spouse should convert first? See how age, RMDs, survivor planning, taxes, Medicare, and legacy can change the answer.
Should Both Spouses Do Roth Conversions?
Should both spouses do Roth conversions? See how separate IRA balances, age differences, RMDs, Social Security, Medicare, and survivor planning can change the math.
Should Married Couples Do Roth Conversions Before One Spouse Dies?
Should married couples consider Roth conversions before one spouse dies? See how taxes, RMDs, Medicare, income, and the surviving spouse can change the math.