[Crowbob]

Speaking of retirement funds. The mandatory age that required minimum distribution is to commence was upped from 70.5 I think to age 75(?). So for a guy whose now 65 is there some simple rule of thumb as to when and if it’s a good idea to roll over 401K’s to Roth?

I do know the strategery is to try to avoid moving into a higher tax bracket but that seems nearly impossible for my friend who is a poverty-struck looser on the fixed-income dole currently in the 12% bracket.

What should I tell him to do?