Subject: Re: 401k
Delaying RMDs until age 75 offers the possibility of a few more years
of Roth conversions (compared to age 70.5), potentially reducing your
IRA balance when the RMDs take effect.


Roth conversions are a nothingburger. All they do is shift which year you pay the tax. The only financial benefit that comes in is if your marginal tax rate NOW is lower than it will be in the future. Which is not often the case.