Yes, indeed. This suggests using a tool that covers a time period for the entire lifecycle of the money. Pralana is good for handling the entire lifetime of a person or couple, but I don't think it easily handles the expected tax brackets for beneficiaries inheriting assets.For all those cases, the answer depends on what marginal rate future traditional distributions incur (or would have incurred).What if I Roth convert up to the top of the 12%, 22%, or 24% bracket? What if I do that at first but pay attention to IRMAA when it becomes relevant? What if I do nothing?
Statistics: Posted by MoreTaxes — Tue Nov 25, 2025 1:31 am — Replies 12 — Views 1013