The Roth conversion window
Between retirement (or part-year retirement) and age 73 when RMDs start, you may have the lowest income of your adult life. Filling up to the top of the 12% or 22% bracket each year with Roth conversions can save substantial tax later.
IRMAA awareness
Medicare Part B and D premiums increase with income (IRMAA). Roth conversions and large retirement account distributions can push you into higher IRMAA tiers. Planning around the brackets matters.
Have a specific situation?
Call the office and a human answers.
Common questions
- When should I start Social Security?
- Not strictly a tax question. Delaying increases the benefit but defers income. We model the tax side; you should also get a financial advisor's view on the longevity side.