Cathy is considering converting 10% of her 401(k) into an IRA and then Roth annually to manage income and avoid RMDs. Roth conversions can reduce tax liability, increase retirement success, and benefit heirs. However, it’s crucial to analyze current and future tax rates to determine if conversions are beneficial. Working with a financial advisor can provide valuable guidance.

Read more at Yahoo Finance: Should I Convert 10% of My 401(k) Each Year to a Roth IRA to Minimize Taxes and RMDs?