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Using Systematic Partial Roth IRA Conversions and Recharacterizations to Fill the Lower Tax Bracket Buckets
Michael Kitces in Nerd's Eye ViewLink to more items from this source
Dec. 2, 2015
"[N]ot only is a 'partial' Roth conversion permitted, but in practice it's often the optimal strategy, allowing retirement account owners to convert just enough to fill the lower tax brackets, without causing 'too much' income that would trigger the top tax brackets. In fact, the Roth recharacterization rules make it feasible to precisely fill the bottom tax brackets, but not a dollar more, by converting more than enough to fill the lower tax brackets each year, and then doing a partial recharacterization to back into the optimal partial Roth conversion amount after the year is over!"

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