How would you invest for an 87 and 92-year-old who don't need to draw from their portfolio?

{"summary": "Author recommends converting some funds to a Roth IRA for tax-free growth over the 10-year inheritance window, keeping that portion growth-oriented.", "reason": "The author provides a specific tax-based catalyst (SECURE Act 10-year rule) for a growth-oriented allocation.", "ideas": [{"symbol": "SPY", "direction": "long", "thesis": "Author recommends converting some funds into a Roth IRA assuming leftover inheritance, because heirs can keep the Roth earning tax-free for 10 years after passing. The mechanism is tax-free compounding during the SECURE Act 10-year distribution window, allowing a more growth-oriented allocation for that portion. Main risk is the tax cost of conversion and uncertainty about remaining assets.", "thesis_short": "Roth conversion for 10-year tax-free growth", "quote": "Convert some into Roth IRA assuming they will have some left over money for inheritance. After passing you and your brother can keep the Roth earning TAX FREE for 10 years. For this portion you can keep it more growth oriented.", "confidence": 0.65, "sentiment": 0.5, "timeframe": "10 years"}], "model": "gemini-3.1-flash-lite", "failure_count": 0, "verified": true, "extraction_model": "deepseek-flash"}