A Roth IRA offers tax-free growth and no required minimum distributions, but comes with upfront income taxes on conversions. Converting a 401(k) to a Roth IRA can help avoid taxes and RMDs, but requires careful planning and consideration of personal goals. Consult a financial advisor for tailored guidance.

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