I want to first extend my thanks to the excellent posts over the years. Your wisdom is greatly appreciated. My question is now that I’m entering my retirement years. I’m 68 and enjoying the great dividends that mo, pm, and kraft generate. Is it recommended that I place my brokerage account in a IRA Roth so that the tax burden is less. I understand that I can only contribute around 7 grand per year and that is why I haven’t considered doing it.