Voluntary IRA withdrawals to the top of the 12% bracket may be OK, but check for overlapping taxes like the SS 'tax torpedo'. This is also called a tax heat map.
An important decision revolves around inheritor tax brackets. You need to model your anticipated growth rate, and decide how many inheritors. Three ? Eleven ?
I think OP is a very good example of where these kinds of threads are not a great service. OP should model things out in a DIY financial planner. If he is not in the DIY camp, then pay for some hourly advice from PlanVision e.g., or perhaps one of the financial planners from Mike Piper's thread. I found STK from the Mike Piper thread and benefitted greatly. Just be aware that it takes time and effort to find reasonably priced, good advice. Sotirios mentioned to me yesterday that he has a 2 year waiting list for new clients. I was just fortunate that he found my specific question engaging enough to let me jump the line.
An important decision revolves around inheritor tax brackets. You need to model your anticipated growth rate, and decide how many inheritors. Three ? Eleven ?
I think OP is a very good example of where these kinds of threads are not a great service. OP should model things out in a DIY financial planner. If he is not in the DIY camp, then pay for some hourly advice from PlanVision e.g., or perhaps one of the financial planners from Mike Piper's thread. I found STK from the Mike Piper thread and benefitted greatly. Just be aware that it takes time and effort to find reasonably priced, good advice. Sotirios mentioned to me yesterday that he has a 2 year waiting list for new clients. I was just fortunate that he found my specific question engaging enough to let me jump the line.
Statistics: Posted by EricGold — Tue Dec 16, 2025 2:16 am — Replies 12 — Views 2056