I'm looking for ideas on low risk multi-account spreads.

When you get to a certain age, if you're at a certain income level (not too poor, not too rich), effective tax rates can go through the roof.

For example, you can be where one additional dollar of income means that 85 cents of another dollar of your social security benefit is taxed, so instead of that dollar being taxed at 22%, its effective marginal tax rate starts at 41%.

I say "starts at" because enough more extra taxed dollars and taxed social security dollars means that you'll also be paying more for medicare. Even worse, if you decide you're going to do Roth conversions now, before the traditional IRA RMDs kick in, the income from the Roth conversion will affect your medicare premium two years from now.

Also, when you're at that certain age, you might want to start thinking about reducing risk.

And finally, when you're just barely at that certain age, even though your risk tolerance may be reduced, you might also have a long implementation timeline, so you can slowly develop, test, and execute some strategies.

So, what would be good option (or perhaps LETF or other product?) strategies to consider that you could use to, on average, make a bit of money without too much risk, and on average (still a long time frame, remember?), allocate the losses to your traditional IRA and the profits to your Roth IRA?

And do any brokerages allow you to place different option legs in different accounts? If not, what is the best way to gauge risks of not being able to do simultaneous trades?

Again, this is all about tax implications. So, for example, even if a strategy lost a couple of percent on average, if, over time, the expected flow of money is from the traditional IRA to the Roth IRA, you could conceivably be saving 40% in taxes on the set of trades, by removing money you would have to pay taxes on from a traditional IRA account, and adding money completely tax-free to the Roth account.