Quote Originally Posted by Rogar View Post
However I do believe if you have money in a traditional IRA, you can then transfer to a Roth in smaller increments over more than one year or at any time to spread out the income you would have to pay taxes on.
Exactly right, Suze Orman writes about doing just that.

I thought about it, but decided it was too complicated for my situation, and just left mine in traditional IRA.