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Dawgman, My wife and I are Schwab clients. We each have low 7 figure accounts and have an assigned Schwab rep who is local (and fantastic). OldShooter mentions service levels, I don't know anything about that and didn't ask when we began to shift away from Vanguard over a year ago. (Thanks...

ExPatKiwi, Take a look at the link DrBrisket posted. I am pretty sure it says disregard the $400k limits thru 2031 on pre-tax money. You can convert after tax money thru the end of this year. Take a look at the 'future prohibitions on conversions' section and the 'Nerd Note'. Do those...

DrBrisket, Thanks for the link. It was very helpful and very nicely laid out. Interestingly, for the RMD for $10M section, none of the examples use married people. The text does repeatedly says 'individual' so I, for now (so I can sleep ;D), will interpret that each spouse has $10M of...

Here is a clip from a Bloomberg article today, link below. I kinda feel like I'm stoking discontent, but that isn't where I'm going with this. I just find it interesting... "More than $279 billion sits in mega-IRAs, individual retirement accounts with at least $5 million each, according to...

Sunset, If I read it right, according to the finance buff article, the conversions on pre-tax money are permissible until 2031 without restriction...

I am kind of confused and not sure it matters to too many people, but. The articles talk about earnings limits for individuals, head of household, and couples. Are the rules changing for combined "Individual" accounts or combined "Individual accounts"? Meaning spouses have a $10/20M limit...

The Roth conversion may be going away for those with incomes above $400k. Not sure if that means that you can convert up to $400k with zero earnings or what... There are a lot of proposed changes here. Kind Regards...

Montecfo, I've always seen the inherited IRA as a bill payer because it couldn't be converted and access wasn't age restricted or penalized. The inherited IRA gets the least volatile assets. It has paid some big bills and is about 20% larger than when I inherited it. It benefited amazingly...

RunningBum, Thank you for your detailed reply and the links. It amazes me how you can so quickly slice thru to the important, overlooked details and how active you are on this site. Kudos. The simplistic answer to your bullet point list of things to be aware of is - that I generally trust...

Sunset, I am searching for that number. Having plenty of time before RMDs force a solution gives me time to dial it in and correct by either converting more or letting the Rollover grow. It's interesting. Over the years, I paid attention to what the plans were doing and the growth seemed...

SecondCor521, Thanks again for the detailed reply and pointing out my RMD error. Not sure where my thinking came from. I try to check in when I hear about major legislation discussions, maybe it was a discussion point the last time. Maybe it was simply a dream/fantasy. Either way, it's...

Thank you all for the replies. I have some time before a bottle of wine and dinner at the dining room table. I will reply individually tomorrow and am very grateful for the input. This site is so amazing. I was pretty sure I included all of the background, but you guys are good. The...

Folks, I could use some pointers or at least some links please... We are nearing the end of Roth conversions. Just trying to figure out when to stop... Background; both mid 50's, both retired, FAT FIRE (wasn't the plan), his/her pension and healthcare, enough rental income just big enough to...

DawgMan, Congrats. In middle 50's here, ERed, and have been doing 5 figure conversions for about 6 years. Last year, I finally figured out that I wasn't making much headroom and converted about a quarter Mil. I am seeing the light at the end of the tunnel now and will continue with some...

The Robert Mondavi Private Selection aged in Bourbon barrels Cabernet Sauvignon from the first post was available at my Costco today. It was the 2018 vintage. Pricing was $11, I believe. My apologies if this was covered already. Cheers,

Yes. In my case, BND and BNDX. BND is up about 9% NAV from the 52 week low and yields are 2.6%. Where is the high, dunno. Where is the low in the next year (or 2 or 3 years), probably closer to the 52 week low than a new high. Risk, IMO, is the downside in NAV that isn't offset by the yield...

WineMaker, Again, thank you for all of the details. I didn't take it as you knocking the blends and sorry if I dragged you back in to the conversation with my google quote. Sometimes my searches are slanted negative to help cut through some of the more bland search returns. Pun intended...

Hello WineMaker, Thank you for the detailed reply! It is very helpful and I like your word, 'formula'. My father had two wine 20 gallon barrels in use, when I was a kid. It was neat to watch and follow the process. The word 'inhibitor' has me somewhat concerned, but everything that we rub...

Winemaker, I read somewhere that some of the sugar content of blends was based on using 'lower end' Zin that inherently has a higher sugar content. Yes, sugar is the enemy of dry wines. I believe that this is the second time you mentioned sugar in this thread. Can you draw out what your...

I don't find many of the bottles there, either. We have access to multiple Costco stores and the larger ones do seem to have a better variety of wines and better success at finding stuff on the Costco Wine Blog. I had a discussion with one of the vendor's at Costco. He works for one of...

For the Costco shoppers, not sure if folks know this site. I found it late last summer. There is good info if you dig a bit. https://costcowineblog.com/5-under-15-great-red-wine-finds-at-costco-right-now/

"Add in Dancing Bull Zin and you have all my favorites listed." GravitySucks, I haven't tried Dancing Bull but have seen it somewhere... Next time, I will grab one. Thanks. Speaking of Zins, we were drinking Boggle Old Vine occasionally, but have replaced that one with OZV zin and have...

38Chevy454, I like the Gnarly Head Zin and will keep an eye out for the blends. We pull a lot of corks and with the $10 blends, it is rare for a real disappointment.

SevenUp, Thanks. I've been having an issue with getting consistent runs, not sure if it was based on the AA only, not just today, but yesterday as well. There are a lot of parameters to keep an eye on and at one point my save/cookies were partly missing data. I am getting frustrated with...

Montecfo, Absolutely. At the top of the iORP output is the 'Projected, maximum, annual Discretionary Spending' line. With the program set to the Zero Conversion to Roth iORP outputs 189k for discretionary spending. With the program set to unlimited or to the top of the 24% bracket for Roth...