You said we, so I assume you are married. I think I would consider at least converting to the top of the 12% tax bracket because that's a super cheap rate historically. If one of you should pass away early, that would put the surviving partner into a higher tax bracket with the same rmd which would then be taxed at a much higher rate. I would take a look at the single tax brackets and try and do whatever I could for the surviving partner to not have to pay the higher tax.
Statistics: Posted by Mikosan — Fri Nov 21, 2025 11:50 pm — Replies 6 — Views 492