[rabscuttle385]

Do any of you have any wisdom to throw her way as to what the best road is to save on penalties in converting her assets?

You mentioned that she's on disability. Disability is an exception to the 59 1/2 year old age rule with Roth IRAs. She should be able to make distributions now with no penalty. However, amounts distributed that have been in the Roth IRA less than five years may be subject to ordinary income tax.

Helpful links: click here and here. The second one looks a tad bit stale, but I didn't see any major changes.

Of course, I'm not a professional, so I may be wrong or have forgotten something, so make sure you consult your CPA and tax preparer before taking any actions, as distributions from IRAs are generally irreversible.

[JDoutrider]

Thanks,

That gives her something to consider this weekend!