Post #448 by bighairymike on the Retirement Investing board

Personal Finance Topics / Retirement Investing ❤

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All equivalent and true when measured from the perspective of you, the investor.

However, the picture changes when measured from the perspective of our beneficiaries.

I have been doing Roth conversions, aggressively, for a number of years with the goal of my heirs inheriting a large Roth on which they will owe zero taxes and it will continue to grow tax free for ten additional years after my death.

If I left it to them as an IRA, then the RMD's could very easily drive them into a higher marginal rate than I ever had, especially since they are already very successful without my inheritance.

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