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I got a lot from this article, which will be pablum for you tax pros, but easy to understand for us idiots. Also downloaded the report on when to take SS, which was worth the 2 minutes it took to digest.

For us it will be worth deferring SS til 70, and taking the low income years between retirement and taking SS and pension to convert conventional IRAs to Roths, using our savings and investments to live on and do conversions. This should allow us the maximum ability to configure our income sources to minimize taxes, and pass on our remaining funds at death to our kids in the most tax advantaged way, among other benefits that are more personal to our specific situation.


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