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Money and Finances
Reply to "Tax/Investment strategy question"
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[quote=Anonymous]We are 59/53. Our HHI is about $250K. Tax sheltered accounts (401K) is about $2.5 with the working spouse's (53) 401k balance being $1.3. Assuming we won't need to touch this $1.3M until RMD time (21 years from now for working spouse), it should be at about $5.2M (assuming money grows at 7% per year). Our marginal tax rate is 27.75% (22(federal) +5.75 (VA)). Does it make sense to route all 401K contributions to Roth (about 40K including catch-up and company match)? Does anyone forsee a situation where tax rates would be lower than that? Plan is for DW to work for another 5 years or so.. What are we not thinking about? [/quote]
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