Post #271 by bighairymike on the Retirement Investing board

Personal Finance Topics / Retirement Investing

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There is a material age difference between myself and Neurospouse, so we convert hers to reduce her eventual single filing issues. - Neuromancer

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You may benefit from inverting that strategy. Consider,

Any person inheriting a Roth, other than a spouse, has ten years to deplete the inherited Roth. However, a spouse can treat the inherited Roth as their own and stretch withdrawals over their lifetime.

Your spouse, being younger, will enjoy many more years of tax free appreciation within a Roth inherited from you. Your spouse can resume converting their own IRA after you are gone.

Just a thought....

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