A short YouTube clip (speaker: Craig Wear, CFP®) explaining advantages of doing small, partial Roth conversions from traditional IRAs. Key points in this chunk: partial conversions let you control annual tax brackets by converting small amounts each year to avoid bumping into higher brackets, and converting reduces future required minimum distributions because Roth IRAs have no RMDs for original owners.
So a second pro would be you get kind of control over your tax brackets if you do these small partial Roth conversions. So by only converting a small portion of your IRA every year, you can stay within a specific tax bracket. You can avoid the tax bracket bump that could result from doing a big full conversion. So doing it this way, it really allows you better tax manage over multiple years, especially if you have kind of an average size IRA balance. So the third pro of doing partial conversions is that you're going to reduce your requirement of distributions eventually over time. So Roth IRAs don't have RMDs for the original account owners.
