Ever since the 401(k) option was added to the American tax code in 1978, the employer-sponsored retirement savings plan has been a foundational element of any smart investment portfolio and a crucial financial safety net for most retirees' golden years. David Beren of 247WallSt has recommended that retirees execute Roth conversions during the period between when retirement starts (typically around age 65) and when RMDs being (roughly a decade later) and to do so at lower marginal tax rates. This can lower f ...