Been reading thru a number of the threads on minimizing tax implications on RE income, most which seem to be focused on Roth conversions, getting ACA subsidies, and keeping income in the lowest or zero tax bracket. Obviously, this is all good common sense strategy. What I have not read much on and am interested to hear is what, if anything, are the higher post RE spenders ($150K +) doing to help minimize taxes. Personally, my plan when I potentially RE in 3 yrs calls for generating a RE income of over $200K/yr net to me (driven by wants not needs) and my RE income will come solely from my assets (tax differed/taxable brokerage accts and some real estate). While still in the accumulation phase, being in the highest tax bracket, I have no incentive to do Roth conversions as putting away tax differed $ helps me best now. I realize these are good problems to have, but like everyone else, every $ I can keep for myself means that's a bunch more $$ I don't have to store up before I start my SWR. For you higher RE spenders, have you employed any strategies that are helping you keep more of your $? I would also be curious to here what your spending and what you have experienced in terms of an effective tax % on the gross $ you are pulling out annually. In other words, if you are pulling out $200K gross, after deductions and employing your strategy (i.e. cashing out LTCG, qualified dividends) your simple effective tax % is X. In my case, a good 60% of my investments are in tax differed accounts which will obviously be taxed as ordinary income upon withdrawals. Being 3 yrs away, I have not run the math on the best withdrawal strategy, but suspect it will be a combination the above. Curious to learn from some of the bigger spenders.