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Greetings, tonyco, and welcome. You wrote:

<<Ok, so I missed my chance to convert for 1999, I have a decent sized chunk of Traditional IRA change to convert, but dont want to exceed the $130,250, max for the 31% tax rate, what is the calculation so that I maximize my year 2000 conversion, without having to pay 36% on any of it?>>

Determine the breakpoint for the 36% marginal rate for 2000, subtract your projected taxable income (adjusted gross income less exemptions and deductions) from the breakpoint, and the difference is the amount you can convert to remain within the 31% bracket.

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