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The 401(k) bracket smoothing math: Why a 66 year old couple with $1.5 million should convert exactly $90,000 a year

Quick ReadConverting exactly $90,000 annually fills the 12% bracket to its $100,800 ceiling, paying 12% now to avoid a 22% ...
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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

Convert $43,000 annually at 12% tax rate to avoid 22-24% RMD taxes later, shifting $344,000 over 8 years for $41,000 cumulative cost. Project gross income line by line, execute conversion in ...