Subject: Re: Roth Conversions
“We have just spend several days building an ugly spreadsheet to model whether the IRA->Roth conversion makes sense. The issue is that those dollars grow untaxed in the IRA vs growing after-tax in the Roth. What we are seeing is that our net worth 10 years from now is significantly higher if we just wait and be forced to take the higher RMD having not done the conversion.”

Sure, your pre-tax net worth would be higher at year 10.

You still have to pay the tax at some point.