You might benefit from using something like the personal finance toolbox in Excel to see quickly what marginal tax rates you would incur for a wide range of Roth conversions. Roth Conversion with Social Security and Medicare IRMAA has a good tutorial.I have a chance to do a Roth conversion this year. If I convert 41k, I can also keep 15k of qualified dividends in the 0% bracket. But if I convert 56k, the 15k will be taxed at 15%. What would you do? What's the better long term move? I am 64 and retired and not planning to collect SS until age 70. At 75 I will have to receive RMDs.
If you do that, what do you conclude, and/or what questions does that prompt?
Statistics: Posted by FiveK — Thu Nov 20, 2025 11:25 pm — Replies 4 — Views 385