Your Annual Conversion Plan (Starting After Retirement):
Establish a Baseline Income: Let's say in retirement you have $50,000/year in other income (pensions, dividends, etc.).
Choose a Target Bracket: You and your advisor might decide that paying a 24% federal tax rate is acceptable to avoid a 35% or 37% rate later. The top of the 24% bracket is $383,900.
Calculate the Conversion Amount:
Target Income: $383,900
Subtract Other Income: -$50,000
Subtract Standard Deduction (Married, 2024): ~$29,200
Annual Conversion Amount: ~$304,700
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为什么是减去Standard Deduction (Married, 2024): ~$29,200？ 不因该是加上它吗？？
