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Interesting point on benefit of roth conversion: Now, since your wife's FRA (Full Retirement Age) is in two years, we know she's almost a decade younger than you are. You may beat the odds but the statistics indicate she could be a widow for sometime. If you have reason to think your life expectancy will not be extraordinarily long but hers might, a Roth can be more attractive because she'll be filing as a single taxpayer and may be subject to higher rates. For instance the 25% bracket starts at taxable income of $72, 501 for joint filers but for single filers that bracket starts at $36,251.

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