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The 401(k) bracket smoothing math: Why a 65 year old with $1.6 million should convert exactly $43,000 a year until 73

Quick Read Convert $43,000 annually at 12% tax rate to avoid 22-24% RMD taxes later, shifting $344,000 over 8 years for ...
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How a Roth Conversion at 64 Added $1,116 to a Retiree’s Medicare Premiums Two Years Later

A 64-year-old single retiree pulls in about $60,000 a year from a pension and modest 401(k) withdrawals. Her advisor mentions the 22% federal bracket has room, and a Roth conversion looks smart before ...