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How-do-I Do a Particular Thing in PRC?
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Topic starter September 7, 2025 1:28 pm
I just want to make sure I understand the recommended practice correctly.
For a Roth conversion
use mode 2 leaving the overall asset allocation the same
Allow for the changing of allocations in each account to account for the tax efficiency of each asset.
This make sense to me so you can see the effect of the conversion including the tax benefits realized by increasing the Roth account size and placing the higher gain assets in the Roth, the lower gain assets in the IRA and use the taxable for foreign investments and overflow from RMD withdrawals.
None of the tax benefits would be possible without the conversion so you would take credit for them as part of the conversion.
Am I looking at this correctly?
