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I'm 58 With $1.4 Million in My 401(k). Should I Convert $140k per Year to Avoid RMDs and Taxes in Retirement?

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Transferring funds from a 401(k) to a Roth IRA can help a retirement saver control the timing and, potentially, the amount of their future tax liability.

In general, if your applicable income tax rate is likely to be higher after retirement, a Roth conversion can make sense.

Roth IRAs aren't subject to mandatory withdrawals that can increase taxable income in retirement.

If assumptions about your post-retirement bracket turn out to be off, you could wind up paying more in taxes.

A conversion means taking on a current tax liability, and it's best to pay this tax bill using funds from another source.

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