I am 72 and have converted most of my IRA to a Roth IRA (PAINFUL!) My wife is still working at 62 and has a $3M traditional IRA. Is there a recommended software program to help us figure out whether to convert to a Roth IRA and how much? For example, a checklist of sources of income after retirement—RMDs, social security, dividend income etc., and calculator to help figure what our tax bills will be. Also different scenarios like when a spouse dies and the tax consequences for the survivor. Some current tax cuts are set to expire in a few years and the democrats have already shown their teeth in trying to get draconian tax increases in recent social spending bills. The tax code is already fiendishly complicated, we are worried.