The Importance of Prioritizing the Younger Beneficiaries

The Roth conversion decision is overwhelmingly about what tax rate would I pay now on these dollars if I convert them. If we're looking at a situation where you don't expect they're going to spend down the tax that were balanced during your lifetime, then the pay tax later tax rate is whatever tax rates the errors are going to be paying. Even if the intention is for only a portion of this tax deferred account to go to charity, that's still a big difference there.