• Higher lifetime taxes
  • Lost ACA health insurance subsidies
  • Increased Medicare IRMAA surcharges
  • More taxes on Social Security benefits
  • Larger Required Minimum Distributions (RMDs)
  • A retirement portfolio that runs out sooner than expected
  • $700,000 in a Traditional IRA
  • $300,000 in a Brokerage account
  • $400,000 in a Roth IRA
  • Interest
  • Dividends
  • Capital gains
  • Increase your tax bracket
  • Increase ACA MAGI
  • Increase Medicare premiums later
  • Increase Social Security taxation
  • Managing ACA eligibility
  • Controlling Modified Adjusted Gross Income (MAGI)
  • Performing carefully planned Roth conversions
  • Funding living expenses tax efficiently
  • Tax bracket management
  • Future Required Minimum Distributions
  • Medicare IRMAA thresholds
  • Continued Roth conversions where appropriate
  • Federal income taxes
  • State income taxes
  • ACA premium tax credits
  • Medicare IRMAA premiums
  • Social Security taxation
  • Future Required Minimum Distributions
  • Estate planning
  • Age
  • Tax bracket
  • Account balances
  • Spending needs
  • Investment gains
  • Pension income
  • Social Security timing
  • Healthcare costs
  • State taxes
  • Future Required Minimum Distributions
  • How much spending is required?
  • How much taxable income already exists?
  • Is there room for a Roth conversion?
  • Will additional income affect ACA subsidies or Medicare premiums?
  • Which account produces the lowest lifetime tax cost?
  • Spending requirements
  • Taxes
  • Roth conversions
  • ACA planning
  • Social Security timing
  • Pension income
  • Medicare IRMAA
  • Required Minimum Distributions
  • Investment growth
  • Cash-flow sequencing