Originally Posted by Andy

Not limited to a once a year thing but it takes time to do the conversion. I max out my 401k by the mid April to get maximum VEBA spillage. As soon as I hit the annual max, I request the conversion forms. Plan on the conversion taking at least a month to complete.


Since the new tax law no longer has the Pease/PEP phaseout, I'm considering converting all of my pretax money to Roth. I ordered the forms a couple of weeks ago and have them in a drawer at home. I'm just waiting for the next market dip to send them in. This will be pretax and B/C funds that are still taxable.
Since my income stream through retirement will allow me to never touch those funds, I want to get them into a Roth to a) avoid RMDs starting at 70 1/2 and 2) allow my children to inherit the funds tax free. I'm getting ready to put documents in place where the funds will go into a trust on my death and RMDs will be based on my childrens' ages.