How did you determine that doing Roth conversions through the 25% tax bracket was worth while? I used this to calculate RMD per 100,000, (http://apps.finra.org/Calcs/1/RMD), but having a tough time with all the factors involved in determining best strategy. - IP------------------Here is how I looked at it. YMMV.1. Me or my heirs will sooner or later have to pay taxes on my IRA balance.2. It might as well be now, since 25% seems like a pretty good rate. Rates are likely go up in the future given Uncle Sugars inability to control spending. Or at least I don't see them going down.3. Taking some of it now will reduce future RMD's. I will still have RMD's at 70 1/2 but they will be smaller and with less potential tax implications.4. Taking now before I start Social Security leaves more headroom in the 25% bracket. I will delay starting SS thus giving me a few more years to do the Roth conversions. This makes the eventual SS payments higher which make sesne for me because I am healthy and have longevity in my family.
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