 that's what i was afraid of i thought maybe there was a magic bullet somewhere if there is i don't know it i have systematically i'm sixty three and i've systematically moved a hundred percent of my stuff to roth over the past decade for that reason because i knew i was going to have rmd coming down my throat and i knew from a state planning standpoint i'm likely to never touch any of it you probably will never touch the vast majority of this it's going to your heirs