No. of Recommendations: 3
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.
