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The 401(k) bracket smoothing math: Why a 65 year old with $1.6 million should convert exactly $43,000 a year until 73
Quick ReadConverting $43,000 annually at 12% shifts $344,000 to Roth before age-73 RMDs arrive taxed at 22% or ...
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The 401(k) bracket smoothing math: Why a 66 year old couple with $1.5 million should convert exactly $90,000 a year
married couple, both 66, sitting on $1.5 million in a traditional 401(k), Social Security deferred, and roughly $10,800 of other taxable income from a part-time consulting gig and a slice of interest.
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