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Personal Investments • sequence of withdrawals during retirement--differing philosophies

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"There are some articles on this subject that are also typically addressed by CFP's - here is one from Vanguard:
The traditional wisdom has been that higher future tax rates make conversion more desirable and lower ones make it less so. Vanguard researchers describe a break-even tax rate (BETR) that yields a more accurate view of what future tax rate would make an investor indifferent to a conversion."
Link...
https://institutional.vanguard.com/insi ... sions.html
Yes, that's exactly the issue mentioned in "Traditional plus taxable" vs. Roth.
I do not see bypassing the marginal rates to see what happens over the life of the accounts?
"Bypassing"???
I do not see any simple tools which utilize margnal rates to achieve an answer.
Which tool does that in the toolbox?
E.g., see Worth pushing through the Social Security hump and/or IRMAA cliffs?
Where does it not this in the Wiki?
"The traditional wisdom has been that higher future tax rates make conversion more desirable and lower ones make it less so. Vanguard researchers describe a break-even tax rate (BETR) that yields a more accurate view of what future tax rate would make an investor indifferent to a conversion."
In the "Traditional plus taxable" vs. Roth section:
In these situations, tax drag in the taxable account may make Roth preferable even if the withdrawal tax rate is somewhat below the contribution tax rate. Examples of "somewhat" are shown in a table below for situations a) and b), and there are two spreadsheets that will calculate "somewhat" for specific circumstances in those situations:

Statistics: Posted by FiveK — Wed Jul 10, 2024 10:33 am — Replies 87 — Views 9669



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