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Subject:  Re: Balancing IRA vs. non-IRA Investments Date:  1/3/2014  11:01 AM
Author:  Hawkwin Number:  74051 of 88517

One thing to consider (and not mentioned from what I can see) is that if you can keep your income in the 15% fed tax bracket and below, your qualified divs and LTC are tax free.

That means you may be better off taking out money from your IRA account unto that amount. If you find out that you go over, the IRS provides you with a provision to put some back before you file taxes to get below the 25% bracket.

And, if you are not getting an employer-provided healthcare benefit in retirement, I would also make sure I stay below the 400% FPL for the free ACA subsidy.
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