Roth conversion is a patch and not a solution I know its the way the government recover their taxesI proposed to delay until 80 yr old at 1% max 

The RMD's laws needs to be change NOW Here is my proposal to congress:1.- Start RMD at 80-year-old for all2.- It should be 1% taking out for all the money (tax deferred money)3.- Eliminate the 10-year clause for the person who get the money and 1 and...