I have govt 457B and 403B with no match. Right now I'm maxing both to limits, but I'm wondering if I should do Roth instead. We're in 34% and can't do Roth because we are over income limits. My govt plans have no limits. Is this a no brainer to switch my contributions to Roth or should I wait for the conversion window before RMD? I don't think losing my income as pretax deduction will change the bracket.
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