So I really don't know how to answer your questions.To explain a bit, once you start taking Social Security and have mandatory IRA distributions (at age 70-1/2) you can be locked into a higher income tax bracket.Pre-Social Security can be the lowest tax rate you are likely to see in retirement as you may be in situation to pay taxes only on what you spend.If you find yourself in this situation, carefully consider your income tax rate and make sure you use all of the lower brackets productively.If you don't need the income, then do partial Roth conversions on your IRA to pay minimal taxes now and avoid paying more later.Roth advantage is you pay income taxes on the amount converted in that year, but pay no income taxes on distributions from the Roth later.
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