Subject: Re: 3% bonus for IRA transfer
Thanks for digging out the info from the pdf, that sounds pretty definitive.

Yes,the conversion benefit is due to my expectation that I will be in a higher tax bracket once I'm getting social security and taking RMDs (if no further conversions). Doing conversions would give me more control over my taxable income and help manage Irmaa cliffs.

Thanks for your input. It's helpful.