MaxiFi - Roth Conversion
I am trying to convert a consistent sum (e.g., $70k) to a Roth for each of the next 6 years (2020 through 2025). When looking at the compare tab results, the current (non-Roth) plan has a higher discretionary spending amount (by about $25k per year). I'm doing the conversion for just my R/O IRA, not my wife's. When I look at the IRA balances for my (including Roth) IRA there is a significant amount ($600k plus) left at the end of life. In my wife's (not converted to Roth), the balance approaches zero as I would expect with smoothing. Both IRA assumptions are set to smooth withdrawals starting in 2 years and going to end of life.
The lower lifetime discretionary spending amount would suggest it's a loser to do the Roth conversion. I'm wondering, though, how I can get the Roth plan to spend the excess remaining at death smoothly over the entire life of the plan. This may raise the discretionary spending of the Roth conversion plan to not be a losing proposition. Any thoughts on what other parameters to tweek to get the smoothing done on the Roth plan?