Craig Wear argues IRA millionaires should convert to Roth even at higher tax brackets to avoid future tax increases. If your spreadsheet says to convert only to the top of your current bracket, your IRA is probably under $1 million or your model has wrong assumptions.
And the key for IRA millionaires is really to convert early. And I like to say the only way and I like to say it because we've proven it to be true, because we're running thousands of iterations. The only way to beat the tax maintenance, to convert sooner than you have been told and at a higher tax bracket than you're currently comfortable with. And so if you've done your own spreadsheets, and your own spreadsheets tell you that you need to convert at just to the top of your current tax bracket, then either you have less than a million in your ira, or you're spending a lot of money out of your ira, or there's something wrong in some of your assumptions.
