0 percent bracket a no-brainer?

[Montecfo]

Good idea. Be aware of the charitable contribution limits, which vary based on the type of charitable contribution but are in general a percentage of AGI. I don't know what they are offhand and they keep changing them, but in general if you make "too large" of a charitable contribution relative to your AGI, your deduction may be limited.

30 pct of AGI in my case. So I will have to scale the Roth conversion to the charitable contribution, or vice versa.

 

[teej1985]

Got it, I misread. Roth conversions fall under the LTCG tax if below that threshold?

No. Absolutely not. Roth conversions are ordinary income.

 

[swakyaby]

Yes, so a MFJ couple could have ordinary income (interest, unqualified dividends, Roth conversions or tax deferred withdrawals) up to $25,900 and preferenced income (qualified dividends and LTCG) of $83,350.... $109,250 of total income... and they would pay $0 tax. I love America!

This is the clearest description I’ve heard anyone say about the $0 tax ever. Thanks, pb4uski.