Personal Investments • Should we start doing Roth conversions?

Yes - multiyear models will have inacuracies.

Agreed.

These accounts will always grow, each year there is only a small draw or none at all....

Yes, assuming market gains in a given year. But the whole point of projecting future tax rates is to avoid avoiding taxes now if the tax bite will be that much worse later.

The accounts will grow each year the real return is greater than 0%. Over time, those accounts will grow to whatever rates are accumulated while the portfolio is in their care and also thru to their heirs. Calculating the potential advantages to heirs is a key including time on each type of account and potential estate tax impacts.
The OP has about 10 years of variable 'lower' income to work with. The method I know to take a good look at this is with the RPM and/or Pralana.

Statistics: Posted by smitcat — Wed Aug 14, 2024 6:49 pm — Replies 133 — Views 8793

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