We’re in our 60s. My wife and I have $345,000 in annual pensions and $1 million in 403(b)s. Is it too late for Roth conversions?

“Roth assets would provide our children with tax-free distributions.

Source: [MarketWatch](https://www.marketwatch.com/story/were-in-our-60s-my-wife-and-i-have-345-000-in-annual-pensions-and-1-million-in-403-b-s-is-it-too-late-for-roth-conversions-5df35d42?mod=mw_rss_topstories)