Reduce taxes and RMD impact

By effectively managing your Roth conversions, you can really reduce the impact of RMDs. You can potentially lower your overall tax burden in some really enormous ways, lower your Medicare premiums, and create a lot more flexibility in your retirement income strategy. So if you have somebody telling you that you should only convert to the top of your current tax bracket, then if you're an IRA millionaire, that probably is bad advice, unless you're taking a whole lot of money out of your ira. And there's a couple other circumstances, I guess, that are really kind of far out there for most people that we work with.