I'm sure this question has been asked before but I'm hoping to get an answer from the group. I am 58 with all my IRA/SEP in Traditional IRA's. I plan to draw SSI when I turn 66 and use my IRA's starting at
591/2. I'm in the .15 tax bracket and currently umemployed (and hoping to remain so).
Should I convert to Roth's?
Do I have to convert all my IRA's to Roth's or can I just convert one or two?
Should I start drawing SSI at 63 instead of 66 (advantages/disadvantages)?
Thank you.