u/52mretirednavy

At 57 years old, wife has stopped working and I am getting close. We would have about a 2% withdrawal rate at our current level of spending. (Before social security) Our current mix of investments is 75% US (mostly SP500 etfs), 15% international, 5% bond, 5% bitcoin. It seems most recommend going more conservative once you retire, but at a low withdrawal rate is that just reducing growth rate.

How much would you be converting to Roth?

Retiring as 58 year old, married, pension of 80k, spending 140k, joint brokerage of 300k, total Roth of 1.1M, total traditional of 1.4M. Plan to take social security at 62 of 50k combined.