BobKamman
Level 15

I just emailed a client, "Sometimes I wonder what sin I committed, that God sent me clients with stockbrokers who are clueless about Roth IRA's.  It happens a lot."  

But I try to keep an open mind.  Can you provide one example of when it was beneficial for a client to convert to a Roth?  I can provide several examples of how IRA distributions are nontaxable because clients spend them on assisted living that qualifies as a medical deduction.