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How to fill your tax brackets with Roth conversions

・Roth conversions let you voluntarily pull money from a traditional IRA or 401(k), pay tax on it today at your current marginal bracket, and move it into a Roth where future growth and qualified ...
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The 401(k) to Roth bracket filling strategy that saves a $300,000 earner couple $145,000 in taxes over 8 years

$400,000 Roth conversion over 8 years at 12% saves $145,000 vs. forced 24% RMDs plus IRMAA surcharges. Executing conversions between 65-73, before RMDs, forces income into higher brackets and triggers ...