I’m 60+ and away from retirement by 3-5 years, and in 30-35% tax bracket. So far I contributed 100% to regular 401k considering that my tax bracket is high and expectation that post retirement tax bracket will be lower. I’m contemplating on my decision and want to relook. Should I do to Roth ? Yes my benefits to Roth may not be very high as I’m 60 but it’s RMD free and benefits of tax advantages to my son after me.
If I retire at 65-67, Roth conversion years are 3-5 years?