Louis2
Recycles dryer sheets
- Joined
- Jan 20, 2014
- Messages
- 58
I have been trying to read up on Trad IRA to Roth Conversion. I am recently ER with working spouse and soon to start pension. I will be in a relatively constant 25% tax bracket until I have to take RMD, then it will jump up to 28% and briefly 33%. I have a basic question: how many variables do I need to consider?
In the most simple example... all things being equal... equal returns in each account, no changes in US tax laws, not considering estate benefits...
Am I always better to to Roth Convert as much as I can pre-RMD-age without jumping up to the next tax bracket? Or is there another variable?
In the most simple example... all things being equal... equal returns in each account, no changes in US tax laws, not considering estate benefits...
Am I always better to to Roth Convert as much as I can pre-RMD-age without jumping up to the next tax bracket? Or is there another variable?