Recent content by Er3184

Your marginal tax rate if proposed legislation goes through is going to drop to 12% next yr (90k married, 45k single) so your marginal rate for conversions will be lower next yr further supporting gain harvesting over conversions at 15%

I think you take the capital gain harvesting while you're able. Do that, more likely to take losses in future which allow you to go $3000 in the hole on capital losses. Those losses in the future will wash out $3k of additional Roth conversions as an offset to ordinary income.

You can sell at a gain and immediately buy it back, there are no wash sale rules on gain harvesting.

The one you have with Fidelity drops to 0.10% at 1mil. Also it has index funds inside of it so you control expense ratios based on your selected funds

Depending on your age, need for income, etc a simple deferred annuity could work here. Theyre out there for as little as 0.10% fee if you have $1mil plus. There are trade offs and it would be situational but what you describe is a huge cliff u could fall off. Check these out. All gains...