I am 75 years. Should I convert to a Roth IRA?
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There is a high likelihood the answer is no. The reason is because you would incur taxes on the conversion amount but will likely not live long enough to compound enough tax free gains to offset the tax loss up front. With that said, there are estate planning differences between a Roth and regular IRA that impact your beneficiaries so there may be other mitigating circumstances to consider depending on your personal situation and goals. This balance between tax considerations and estate planning considerations would have to be carefully weighed in the context of your personal goals and financial situation.