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The 401(k) bracket smoothing math: Why a 65 year old with $1.6 million should convert exactly $43,000 a year until 73
Quick ReadConverting $43,000 annually at 12% shifts $344,000 to Roth before age-73 RMDs arrive taxed at 22% or ...
This Roth conversion deadline catches many people by surprise. It's not a hard cap, but ignoring it will increase your retirement costs.
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