Roth Gold IRA vs. Traditional - What are you all doing for rollovers now?

• •As you know, the market's been a ride, and with the Fed doing...
• •whatever they're doing, I'm still keeping a heavy allocation in metals.
• •My portfolio is sitting comfortably between $2-3 million, with a good chunk of that in physical gold and silver, mostly through an IRA.

Okay, so I've been wrestling with this for a bit and wanted to get some other perspectives, especially from those of you who've been around the block a few times. As you know, the market's been a ride, and with the Fed doing... whatever they're doing, I'm still keeping a heavy allocation in metals. My portfolio is sitting comfortably between $2-3 million, with a good chunk of that in physical gold and silver, mostly through an IRA.

I'm a Wall Street retiree here in NYC – spent decades watching these cycles play out. The question now is regarding my next rollover. I've always gone traditional IRA for my gold, mainly for the upfront tax deductions back in my earning days. But now that I'm taking distributions, I'm wondering if converting a portion, or even all, of my gold IRA to a Roth makes more sense given the current tax landscape. I'm looking beyond just the immediate tax hit on conversion, thinking more about my heirs down the line and potential future tax rates.

My accountant laid out the pros and cons, but I really value real-world experience over theoretical models. If you've been in a similar boat, especially with a significant metals-heavy IRA, did you make the jump to Roth? What were the main drivers? Did you convert a lump sum, or are you doing it piecemeal over several years? I’m particularly interested in how the tax implications of converting a fluctuating asset like gold played out for you. Any regrets either way?