The 401k will still be very in rmd. Needs to move more to Roth in larger chunks. I’m doing 35% for the next two years. Just taking a little chunk from a pot of $3 milli9n won’t move the needle. The rmd in the 80-90’s will be like $800 k a year.
M Lee, thanks for the comment. We definitely can and do recommend higher conversions when the situation calls for it. In this video I’m mainly presenting the argument for why the conversions make sense for those who are skeptical and then once we sit down with someone one on one we will determine based on their situation and feelings if we need to do more or less.
By the time this couple gets to 75 and the RMDs begin, the income brackets and standard deduction will have gone up due to inflation and will likely have them below the 33% bracket shown in your table (assuming you used 2026 income brackets and standard deduction as indicated on the table)
![Seungmin "그렇게, 천천히, 우리(As we are)" | [Stray Kids : SKZ-PLAYER]](http://i.ytimg.com/vi/kAzmhLHePqU/mqdefault.jpg)
Luv the video I’m in the same boat.
The NIIT applies to short term capital gains when AGI exceeds $200,000.
The 401k will still be very in rmd. Needs to move more to Roth in larger chunks. I’m doing 35% for the next two years. Just taking a little chunk from a pot of $3 milli9n won’t move the needle. The rmd in the 80-90’s will be like $800 k a year.
M Lee, thanks for the comment. We definitely can and do recommend higher conversions when the situation calls for it. In this video I’m mainly presenting the argument for why the conversions make sense for those who are skeptical and then once we sit down with someone one on one we will determine based on their situation and feelings if we need to do more or less.
By the time this couple gets to 75 and the RMDs begin, the income brackets and standard deduction will have gone up due to inflation and will likely have them below the 33% bracket shown in your table (assuming you used 2026 income brackets and standard deduction as indicated on the table)