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No. of Recommendations: 3
We'll have to see how that goes and run the numbers more closely to see if we should go higher than the 15% tax bracket, but IMO that much is a slam dunk... - IP


Agree about the 15% bracket being a no brainer. I weighed this same question and for the past three years I have been maxing out the 25% bracket with Roth Conversions. My reasons:

This cuts exposure to future RMDs and the loss of control over taxable income.

More of the funds I eventully leave to my kids will be after tax, an advantage to them.

25% is a pretty good rate. Considering Uncle Sugars appetite for money, rates are likely to go up or certainly won't be going down.
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