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Strategies & Market Trends : Young and Older Folk Portfolio -- Ignore unavailable to you. Want to Upgrade?

To: macbolan who wrote (21979)	11/5/2025 2:46:52 PM
From: Max2.0	1 Recommendation Recommended By TeamTina Respond to of 23570

We did ROTH conversions the last few years. They were small ones to the tune of about $80K/year. We had a lot in our taxable account and spent that down and used the ROTH conversions to roughly equal what we were spending from our taxable account. I think the problem with doing a big conversion is that it puts you a high income bracket that might last a few years when qualifying for Covered California and also Medicare. Good luck. I basically avoid most of these clever schemes to minimize taxes because 1) I am not wealthy enough to make it worthwhile. 2) It takes too much of my energy to figure out and implement these 3) There is some risk that laws and policy could change to nullify the benefit of the scheme. Let me know if you find something to avoid/defer taxes by following some reasonably practical approach.

To: macbolan who wrote (21979)	11/5/2025 3:37:10 PM
From: cemanuel	1 Recommendation Recommended By cajman1 Read Replies (1) \| Respond to of 23570

I've been doing Roth Conversions to basically get myself to the top of the 24% tax bracket. But this is year one of the 2-year average for Medicare Premiums so my plan is to make no more than $103k. In early December I'll run numbers and see where I'm at. Could be anywhere from being able to do a small conversion (I haven't done any this year) to having to make a donation to reduce my income. My problem is I'm now selling the best performers in my taxable account for living expenses, just two stocks left. One has 700% gains, the other 900%. Always something to complain about - I could be having trouble keeping the lights on, paying rent, or buying food.