Is now the time to convert your traditional IRA to a Roth IRA? Be careful, if you do the conversion amount is subject to tax.  Do you have years with lower income?  Those may be the ideal time to convert to an after-tax Roth account. You will not have to take minimum distribution from a Roth account in the future.

Have you considered a spousal IRA contribution even if your spouse doe not have earned income?  Contact us if you would like an analysis of your particular situation.