I'm cross posting this from r/DIYRetirement for more visibility.

I would like some advice on the ideal time to perform Roth conversions. Husband (54) and I (almost 52) would love to retire when we are 60 (I would work for 2 more years after he's retired). Our combined AGI is $280k+ and we are in the 24% tax bracket.

Current retirement assets total $1.77M, which include 401ks, IRAs, and HSAs. Of that amount, $1.15M is tax deferred and $620k is Roth/HSA. Of the $1.15M tax deferred amount, $350k is in traditional IRAs and eligible to be converted to Roth IRAs. We are both maxing out our Roth 401k and HSA contributions. According to Open Social Security, our ideal strategy would be for me to claim at 62 ($2,470/month if I stop working at 60) and for spouse to claim at 70 ($4,624/month if he stops working at 60).…