Before Your 401(k) RMDs Start at 73, Make Sure You Execute This Tax-Saving Move in Your 60s
Article explains tax-saving strategy for couples in their 60s to convert traditional [[401(k)]] balances to [[Roth conversion]]s using low-tax years before [[RMDs]] begin at 73. By using the empty tax bracket between retirement and claiming [[Social Security]], the example couple converts roughly $77,000 a year, pays conversion tax from a [[brokerage account]] rather than the retirement account, and avoids higher future rates and Medicare surcharges. The piece lays out the math (a $2M balance potentially growing to $4M at 6%), three timing rules — use the gap years, front-load before age 63 to avoid IRMAA, and pay taxes from taxable assets — and urges running survivor scenarios to assess long-term savings to the [[IRS]] and household finances.