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Georgia works for us, no state income tax on retirement conversions up to $130 K.  Property tax rates are about the same as we had in Cincy.  Sales tax locally is high.  We shop at a Costco just over the line.  

For you, the Federal tax bite would bite.  Years ago, I did a partial conversion in 2007 just before the market tanked.  So, I switched it all back, paid no taxes or anything, so you can change your mind within some period.  I also borrowed from my IRA to help pay for the condo and paid that back when other funds freed up.  You can borrow tax free for 30 days?  Some period.  Currently most of my wealth is in a regular IRA.

If Congress raised the top tax bracket, I'd look to transfer more one year and pay the lower rate.  The "Trump tax cuts" are slated to expire in a couple years.  I'm looking at that, but the increase isn't that dramatic.

Tax brackets for income earned in 2024

tax bracket income ranges for twenty twenty four are shown in this table
Table with 3 columns and 7 rows.
Tax rate
Single filers
Married filing jointly


37%

$609,350 or more	$731,200 or more

35%

$243,725 - $609,349.99	$487,450 - $731,199.99

32%

$191,950 - $243,724.99	$383,900 - $487,449.99

24%

$100,525 - $191,949.99	$201,050 - $383,899.99

22%

$47,150 - $100,524.99	$94,300 - $201,049.99

12%

$11,600 - $47,149.99	$23,200 - $94,299.99

10%

$11,599.99 or less

$23,199.99 or less

Keep an eye on future tax rate changes.

Trump Era Tax Cuts Are Set To Expire — Here’s How Much More You’ll Pay (yahoo.com)

The TCJA spawned a bunch of changes to the tax code, but here are three key tax adjustments that you’ll need to consider before they turn back at the end of 2025.
Income Tax Rates
Although it kept seven income brackets, the TCJA lowered tax rates across the board and restructured bracket spans, making them more agreeable under the TCJA. With the exception of those who were at 10% (those making $11,000 or less) and 35% (those earning $231,251 to $578,125) tax rate levels prior to 2018, all income tax rates decreased when the new laws came into effect.
The top individual tax rate dropped from 39.6% to 37% under the terms of the Tax Cuts and Jobs Act (single filers making $578,126 and over), the 33% bracket fell to 32% ($182,101-$231,250), the 28% bracket to 24% ($95,376-$182,100), the 25% bracket to 22% ($44,726-$95,375) and the 15% bracket to 12% ($11,001-$44,725).
These bracket backslides will mean that every American will need to reassess their spending and tax returns to pay 1% to 4% more in personal taxes unless provisions are extended, revised or made permanent over the next 28 months.
Standard Deduction
Under the Tax Cuts and Jobs Act for the tax years beginning after December 31, 2017, and before January 1, 2026, the standard deduction was nearly doubled for all filing statuses. This led to fewer people itemizing deductions and instead opting for the standard deduction.
The TCJA significantly changed the standard deduction amounts for individuals and families. The standard deductions before the 2017 Tax Year were $6,350 for single filers, $9,350 for heads of household and $12,700 for those married filing jointly.
After the TCJA (2018-2025 tax years), these amounts jumped dramatically. The standard deductions for the 2023 tax year are $13,850 for those single or married filing separately, $27,700 for those married filing separately and surviving spouses and $20,800 for heads of household.

I'm paying around 20% when I dip into my IRA each year, little or nothing to the state.  I can deal with that.  I'll run some numbers before the rates go up, but I think I'm better off dipping into it year by year instead of all at once.

It would depend a lot on how much income you have in that higher tax bracket of course.  Maybe your top tax bracket goes from 24% to 28%, but you only have say $10 K in income in that bracket.

You might need the extra $10 K, and the additional tax would only be $400.  "Only".  Better if you can manage under the limit of course.

I chuckle when I hear this was a tax cut for billionaries.

Speed costs money.  How fast do you want to go?