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That will keep my provisional income (taxable income + half of social security + muni bond interest) low enough so SS will also not be taxed.

Maybe, if you are MFJ, since you can have up to $32,000 in provisional income before your SS gets taxed. If one of you ends up single for some time, it's going to be a lot harder to stay below the $25,000 limit.


Why would it be hard if a single person got $32K of Social Security plus a $9K pension from the PBGC ($25K provisional income) plus another $XX,000 from a Roth IRA?

If that couple (prior to Spouse 1's death) used the married spouse amount, the SS would be $32K +$16K, and if the pension was 100% survivor of $9K, their provisional income would be $33K, so it would push a small amount of the SS into 50% taxed territory. Still (likely) better than leaving the pre-SS 22% bracket unfilled by not doing Roth conversions and then taking the $XX,000 from a regular IRA when being paid SS.
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