https://smartasset.com/retirement/63-1-million-ira-convert-100k-roth-avoid-rmds2026-07-28T15:23:30+00:00SmartAsseten2025-08-20T12:30:00+00:00I’m 63 With $1 Million in an IRA. Should I Convert $100,000 a Year to a Roth to Avoid RMDs?