$1M vs $10M - What Wealthy Retirees Do Differently Than Everyone Else
11K views · Sep 11, 2026 · Education
Comments · 3
@deanhomstad237 · 2 weeks ago
Roth conversion success assumes space in current low tax bracket and life longevity. It’s not always the best choice.
3
@Eric-wc7lx · 2 weeks ago (edited)
If you have $10M in after-tax brokerage from company stock plan or company sale, your unearned puts you in higher tax brackets than you show, even in the preRMD years, and you’re toast with IRMAA.<br><br>Charitable gift annuities made with appreciated stock are worth considering, as are QLACs in regular IRAs
1
@yifanwang · 2 weeks ago
While I like the concept of "tax valley", in real life it doesn't matter. You need ACA.
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