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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 ...
$43,000 traditional 401(k) plus $7,000 Roth withdrawal yields $2,936 federal tax on $50,000 spending via 12% bracket fill strategy. Convert $22,000 annually into Roth during 65-70 gap before 85% of ...
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