u/Awkward-Assignment25

If I am in the top tax bracket and will likely stay there even in retirement due to maintaining two homes and some travel, does it make sense to convert some or all of a traditional IRA to a roth now at age 50? What if my future income in retirement (eg, mostly capital gains from selling equities and dividends in taxable accounts) is just above $500,000, which I guess drops the bracket from 37 to 32%? Or should I do the Trad to Roth conversion after I retire when my taxable income might be taxed at 32%, and use the roth for living expenses while topping it up from the traditional conversion?

If I am in the top tax bracket and will likely stay there even in retirement due to maintaining two homes and some travel, does it make sense to convert some or all of a traditional IRA to a roth now at age 50? What if my future income in retirement (eg, mostly capital gains from selling equities and dividends in taxable accounts) is just above $500,000, which I guess drops the bracket from 37 to 32%? Or should I do the Trad to Roth conversion after I retire when my taxable income might be taxed at 32%, and use the roth for living expenses while topping it up from the traditional conversion?