Roth Conversion Strategy
The United States offers a tax shelter to its citizens called an Individual Retirement Account, or IRA. The two most popular IRA's are:
- Traditional / Rollover IRA
- Roth IRA
An IRA is not an investment security, an IRA is simply an investment vehicle that holds investment securities (e.g. stocks, bonds, cash, real-estate, etc.) and offers special tax treatment when money is withdrawn.
U.S. income taxes are a pay me now (Roth IRA) or a pay me later (Traditional / Rollover IRA) situation. A Traditional IRA is a tax-deferred vehicle that allows you to defer a portion of your earned income to a future tax year (as long as you are below certain income limitations) and pay income taxes as ordinary income in a future tax year it is withdrawn. A Roth IRA is a tax-exempt vehicle that allows you to pay income taxes on your earned income and invest a portion of it tax free, and pay no income tax in the tax year it is withdrawn (as long as it is held for five years and your current income is below certain income limitations).
If your company has a 401k, 403b or 457b plan, these are preferable to a traditional IRA because they have higher contribution limits and generally have matching contributions, and your tax deductible contributions to a traditional IRA will be limited. When you leave a job, you will be eligible to rollover your 401k, 403b or 457b plans to a Rollover IRA in a tax free transaction.
Traditional IRA | Roth IRA | |
---|---|---|
Defer income? | yes | no |
Tax on withdraw? | yes, as ordinary income | no, if qualified withdraw |
Contribution Limits 2025 |
$7,000 under age 50, $8,000 50+ contributions must be earned income MAGI of less than $165,000 if Single or Head of Household MAGI of less than $236,000 if married filing jointly |
Tax Rates
The United States uses a progressive tax rate that increases as your taxable income increases. In other words, the more you make the higher percentage you pay. The following tax brackets are in effect for tax year 2025 based on your filing status:
Married Filing Jointly | Head of Household | Single | Married Filing Separately | |
---|---|---|---|---|
Standard Deduction | $30,000 | $22,500 | $15,000 | $15,000 |
10% | $0 - $23,850 | $0 - $17,000 | $0 - $11,925 | $0 - $11,925 |
12% | $23,850 - $96,950 | $17,000 - $64,850 | $11,925 - $48,475 | $11,925 - $48,475 |
22% | $96,950 - $206,700 | $64,850 - $103,350 | $48,475 - $103,350 | $48,475 - $103,350 |
24% | $206,700 - $394,600 | $103,350 - $197,300 | $103,350 - $197,300 | $103,350 - $197,300 |
32% | $394,600 - $501,050 | $197,300 - $250,500 | $197,300 - $250,525 | $197,300 - $250,525 |
35% | $501,050 - $751,600 | $250,500 - $626,350 | $250,525 - $626,350 | $250,525 - $375,800 |
37% | over $751,600 | over $626,350 | over $626,350 | over $375,800 |
Each filing status has a standard deduction which can be used to exempt the first part of your income from taxes. You can think of this as a 0% tax bracket. Taxpayers may itemize their tax return and exceed the standard deduction above if their situation warrants. You can use the tool below to see the breakdown of income into marginal tax brackets:
Tax Year | IRA | Roth | Taxable | Job | Social Security | Roth Conversion | RMD | Total Income | IRMAA | NIIT | Filing Status | Tax | Effective Tax Rate | After-tax Portfolio |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
2025 | $530,516 | $201,187 | $10,756 | $0 | $0 | $14,683 | $0 | $15,000 | $0 | $0 | Single | $0 | 0.00% | $559,884 |
2026 | $552,333 | $230,590 | $11,213 | $0 | $0 | $14,562 | $0 | $15,000 | $0 | $0 | Single | $0 | 0.00% | $601,754 |
2027 | $575,696 | $262,031 | $11,689 | $0 | $0 | $14,543 | $0 | $15,000 | $0 | $0 | Single | $0 | 0.00% | $646,537 |
2028 | $600,715 | $295,653 | $12,186 | $0 | $0 | $14,523 | $0 | $15,000 | $0 | $0 | Single | $0 | 0.00% | $694,434 |
2029 | $627,507 | $331,607 | $12,704 | $0 | $0 | $14,503 | $0 | $15,000 | $0 | $0 | Single | $0 | 0.00% | $745,664 |
2030 | $656,197 | $370,055 | $13,244 | $0 | $0 | $14,482 | $0 | $15,000 | $0 | $0 | Single | $0 | 0.00% | $800,459 |
2031 | $686,918 | $411,172 | $13,807 | $0 | $0 | $14,460 | $0 | $15,000 | $0 | $0 | Single | $0 | 0.00% | $858,536 |
2032 | $719,813 | $455,142 | $14,393 | $0 | $0 | $14,437 | $0 | $15,000 | $0 | $0 | Single | $0 | 0.00% | $920,598 |
2033 | $755,037 | $502,166 | $15,005 | $0 | $0 | $14,413 | $0 | $15,000 | $0 | $0 | Single | $0 | 0.00% | $986,981 |
2034 | $792,752 | $552,454 | $15,643 | $0 | $0 | $14,388 | $0 | $15,000 | $0 | $0 | Single | $0 | 0.00% | $1,057,985 |
2035 | $833,135 | $606,236 | $16,308 | $0 | $0 | $14,362 | $0 | $15,000 | $0 | $0 | Single | $0 | 0.00% | $1,133,932 |
2036 | $876,373 | $663,754 | $17,001 | $0 | $0 | $14,335 | $0 | $15,000 | $0 | $0 | Single | $0 | 0.00% | $1,215,168 |
2037 | $922,667 | $725,269 | $17,723 | $0 | $0 | $14,307 | $0 | $15,000 | $0 | $0 | Single | $0 | 0.00% | $1,302,062 |
2038 | $972,233 | $791,058 | $18,477 | $0 | $0 | $14,277 | $0 | $15,000 | $0 | $0 | Single | $0 | 0.00% | $1,395,008 |
2039 | $1,025,301 | $861,420 | $19,262 | $0 | $0 | $14,247 | $0 | $15,000 | $0 | $0 | Single | $0 | 0.00% | $1,494,429 |
2040 | $1,082,118 | $936,674 | $20,080 | $0 | $0 | $14,215 | $0 | $15,000 | $0 | $0 | Single | $0 | 0.00% | $1,600,776 |
2041 | $1,142,946 | $1,017,161 | $20,934 | $0 | $0 | $14,181 | $0 | $15,000 | $0 | $0 | Single | $0 | 0.00% | $1,714,534 |
2042 | $1,208,070 | $1,103,245 | $32,610 | $0 | $0 | $14,147 | $0 | $15,000 | $0 | $0 | Single | $0 | 0.00% | $1,836,219 |
2043 | $1,277,927 | $1,195,180 | $55,795 | $0 | $10,656 | $13,980 | $0 | $15,000 | $0 | $0 | Single | $0 | 0.00% | $1,984,377 |
2044 | $1,353,572 | $1,292,653 | $79,966 | $0 | $21,312 | $13,127 | $0 | $15,000 | $0 | $0 | Single | $0 | 0.00% | $2,145,753 |
2045 | $1,435,549 | $1,395,912 | $105,164 | $0 | $21,312 | $12,141 | $0 | $15,000 | $0 | $0 | Single | $0 | 0.00% | $2,317,416 |
2046 | $1,524,345 | $1,505,318 | $131,433 | $0 | $21,312 | $11,114 | $0 | $15,000 | $0 | $0 | Single | $0 | 0.00% | $2,500,045 |
2047 | $1,620,483 | $1,621,256 | $158,819 | $0 | $21,312 | $10,043 | $0 | $15,000 | $0 | $0 | Single | $0 | 0.00% | $2,694,360 |
2048 | $1,724,526 | $1,744,135 | $187,368 | $0 | $21,312 | $8,927 | $0 | $15,000 | $0 | $0 | Single | $0 | 0.00% | $2,901,135 |
2049 | $1,741,289 | $1,866,225 | $299,424 | $0 | $21,312 | $0 | $98,810 | $124,162 | $0 | $0 | Single | $19,046 | 15.34% | $3,114,490 |
2050 | $1,746,879 | $1,996,860 | $423,432 | $0 | $21,312 | $0 | $110,547 | $139,642 | $1,052 | $0 | Single | $23,813 | 17.05% | $3,361,247 |
2051 | $1,745,381 | $2,136,641 | $555,409 | $0 | $21,312 | $0 | $117,655 | $151,733 | $2,644 | $0 | Single | $28,307 | 18.66% | $3,621,154 |
2052 | $1,737,217 | $2,286,205 | $696,559 | $0 | $21,312 | $0 | $123,892 | $163,324 | $2,644 | $0 | Single | $31,088 | 19.03% | $3,893,735 |
2053 | $1,720,759 | $2,446,240 | $848,048 | $0 | $21,312 | $0 | $131,232 | $176,382 | $2,644 | $0 | Single | $34,222 | 19.40% | $4,181,131 |
2054 | $1,696,161 | $2,617,477 | $1,008,024 | $0 | $21,312 | $0 | $137,874 | $189,157 | $4,235 | $0 | Single | $38,879 | 20.55% | $4,484,155 |
2055 | $1,662,764 | $2,800,700 | $1,178,370 | $0 | $21,312 | $0 | $144,602 | $202,385 | $4,235 | $91 | Single | $42,145 | 20.82% | $4,801,795 |
2056 | $1,619,831 | $2,996,749 | $1,357,112 | $0 | $21,312 | $0 | $151,443 | $216,135 | $5,826 | $613 | Single | $47,865 | 22.15% | $5,136,316 |
2057 | $1,566,618 | $3,206,521 | $1,545,343 | $0 | $21,312 | $0 | $158,358 | $230,326 | $5,826 | $1,152 | Single | $52,946 | 22.99% | $5,486,120 |
2058 | $1,504,145 | $3,430,978 | $1,742,233 | $0 | $21,312 | $0 | $163,619 | $243,242 | $5,826 | $1,643 | Single | $57,570 | 23.67% | $5,852,743 |
2059 | $1,432,213 | $3,671,146 | $1,947,729 | $0 | $21,312 | $0 | $168,454 | $256,096 | $5,826 | $2,132 | Single | $62,171 | 24.28% | $6,236,980 |
2060 | $1,350,578 | $3,928,127 | $2,161,700 | $0 | $21,312 | $0 | $172,890 | $268,908 | $5,826 | $2,618 | Single | $66,859 | 24.86% | $6,639,703 |
2061 | $1,259,098 | $4,203,096 | $2,374,778 | $0 | $21,312 | $0 | $176,816 | $281,560 | $5,826 | $3,099 | Single | $71,768 | 25.49% | $7,061,740 |
2062 | $1,347,235 | $4,497,312 | $2,454,250 | $0 | $12,432 | $0 | $0 | $106,165 | $5,826 | $0 | Single | $20,796 | 19.59% | $7,490,423 |
4/15/2025 Income Tax $0 Single
4/30/2025 ROI $3,709.94
5/30/2025 ROI $3,730.84
6/30/2025 ROI $3,751.86
7/4/2025 Happy 49th Birthday self!
7/31/2025 ROI $3,773.00
8/29/2025 ROI $3,794.25
9/30/2025 ROI $3,815.63
10/31/2025 ROI $3,837.13
11/28/2025 ROI $3,858.74
12/31/2025 ROI $3,880.49
1/30/2026 ROI $3,902.35
2/27/2026 ROI $3,924.33
3/31/2026 ROI $3,946.44
4/15/2026 self Roth conversion $14,683
4/15/2026 Income Tax $0 Single
4/30/2026 ROI $3,968.68
5/29/2026 ROI $3,991.04
6/30/2026 ROI $4,013.53
7/4/2026 Happy 50th Birthday self!
7/31/2026 ROI $4,036.14
8/31/2026 ROI $4,058.88
9/30/2026 ROI $4,081.75
10/30/2026 ROI $4,104.75
11/30/2026 ROI $4,127.88
12/31/2026 ROI $4,151.14
1/29/2027 ROI $4,174.53
2/26/2027 ROI $4,198.05
3/31/2027 ROI $4,221.70
4/15/2027 self Roth conversion $14,562
4/15/2027 Income Tax $0 Single
4/30/2027 ROI $4,245.49
5/28/2027 ROI $4,269.41
6/30/2027 ROI $4,293.47
7/4/2027 Happy 51st Birthday self!
7/30/2027 ROI $4,317.66
8/31/2027 ROI $4,341.99
9/30/2027 ROI $4,366.46
10/29/2027 ROI $4,391.07
11/30/2027 ROI $4,415.81
12/31/2027 ROI $4,440.69
1/31/2028 ROI $4,465.72
2/29/2028 ROI $4,490.88
3/31/2028 ROI $4,516.19
4/17/2028 self Roth conversion $14,543
4/17/2028 Income Tax $0 Single
4/28/2028 ROI $4,541.64
5/31/2028 ROI $4,567.23
6/30/2028 ROI $4,592.97
7/4/2028 Happy 52nd Birthday self!
7/31/2028 ROI $4,618.85
8/31/2028 ROI $4,644.88
9/29/2028 ROI $4,671.06
10/31/2028 ROI $4,697.38
11/30/2028 ROI $4,723.85
12/29/2028 ROI $4,750.47
1/31/2029 ROI $4,777.24
2/28/2029 ROI $4,804.17
3/30/2029 ROI $4,831.24
4/16/2029 self Roth conversion $14,523
4/16/2029 Income Tax $0 Single
4/30/2029 ROI $4,858.47
5/31/2029 ROI $4,885.85
6/29/2029 ROI $4,913.39
7/4/2029 Happy 53rd Birthday self!
7/31/2029 ROI $4,941.08
8/31/2029 ROI $4,968.92
9/28/2029 ROI $4,996.93
10/31/2029 ROI $5,025.09
11/30/2029 ROI $5,053.41
12/31/2029 ROI $5,081.89
1/31/2030 ROI $5,110.53
2/28/2030 ROI $5,139.34
3/29/2030 ROI $5,168.30
4/15/2030 self Roth conversion $14,503
4/15/2030 Income Tax $0 Single
4/30/2030 ROI $5,197.43
5/31/2030 ROI $5,226.73
6/28/2030 ROI $5,256.19
7/4/2030 Happy 54th Birthday self!
7/31/2030 ROI $5,285.81
8/30/2030 ROI $5,315.60
9/30/2030 ROI $5,345.56
10/31/2030 ROI $5,375.69
11/29/2030 ROI $5,405.99
12/31/2030 ROI $5,436.47
1/31/2031 ROI $5,467.11
2/28/2031 ROI $5,497.92
3/31/2031 ROI $5,528.91
4/15/2031 self Roth conversion $14,482
4/15/2031 Income Tax $0 Single
4/30/2031 ROI $5,560.08
5/30/2031 ROI $5,591.42
6/30/2031 ROI $5,622.93
7/4/2031 Happy 55th Birthday self!
7/31/2031 ROI $5,654.63
8/29/2031 ROI $5,686.50
9/30/2031 ROI $5,718.56
10/31/2031 ROI $5,750.79
11/28/2031 ROI $5,783.21
12/31/2031 ROI $5,815.81
1/30/2032 ROI $5,848.59
2/27/2032 ROI $5,881.56
3/31/2032 ROI $5,914.71
4/15/2032 self Roth conversion $14,460
4/15/2032 Income Tax $0 Single
4/30/2032 ROI $5,948.06
5/28/2032 ROI $5,981.59
6/30/2032 ROI $6,015.31
7/4/2032 Happy 56th Birthday self!
7/30/2032 ROI $6,049.21
8/31/2032 ROI $6,083.32
9/30/2032 ROI $6,117.61
10/29/2032 ROI $6,152.10
11/30/2032 ROI $6,186.78
12/31/2032 ROI $6,221.65
1/31/2033 ROI $6,256.73
2/28/2033 ROI $6,292.00
3/31/2033 ROI $6,327.47
4/15/2033 self Roth conversion $14,437
4/15/2033 Income Tax $0 Single
4/29/2033 ROI $6,363.14
5/31/2033 ROI $6,399.01
6/30/2033 ROI $6,435.09
7/4/2033 Happy 57th Birthday self!
7/29/2033 ROI $6,471.37
8/31/2033 ROI $6,507.85
9/30/2033 ROI $6,544.54
10/31/2033 ROI $6,581.44
11/30/2033 ROI $6,618.54
12/30/2033 ROI $6,655.85
1/31/2034 ROI $6,693.38
2/28/2034 ROI $6,731.12
3/31/2034 ROI $6,769.06
4/17/2034 self Roth conversion $14,413
4/17/2034 Income Tax $0 Single
4/28/2034 ROI $6,807.23
5/31/2034 ROI $6,845.61
6/30/2034 ROI $6,884.20
7/4/2034 Happy 58th Birthday self!
7/31/2034 ROI $6,923.02
8/31/2034 ROI $6,962.05
9/29/2034 ROI $7,001.30
10/31/2034 ROI $7,040.78
11/30/2034 ROI $7,080.47
12/29/2034 ROI $7,120.39
1/31/2035 ROI $7,160.54
2/28/2035 ROI $7,200.91
3/30/2035 ROI $7,241.51
4/16/2035 self Roth conversion $14,388
4/16/2035 Income Tax $0 Single
4/30/2035 ROI $7,282.34
5/31/2035 ROI $7,323.41
6/29/2035 ROI $7,364.70
7/4/2035 Happy 59th Birthday self!
7/31/2035 ROI $7,406.22
8/31/2035 ROI $7,447.98
9/28/2035 ROI $7,489.98
10/31/2035 ROI $7,532.21
11/30/2035 ROI $7,574.68
12/31/2035 ROI $7,617.39
1/31/2036 ROI $7,660.34
2/29/2036 ROI $7,703.54
3/31/2036 ROI $7,746.98
4/15/2036 self Roth conversion $14,362
4/15/2036 Income Tax $0 Single
4/30/2036 ROI $7,790.66
5/30/2036 ROI $7,834.59
6/30/2036 ROI $7,878.77
7/4/2036 Happy 60th Birthday self!
7/31/2036 ROI $7,923.19
8/29/2036 ROI $7,967.87
9/30/2036 ROI $8,012.80
10/31/2036 ROI $8,057.99
11/28/2036 ROI $8,103.43
12/31/2036 ROI $8,149.12
1/30/2037 ROI $8,195.07
2/27/2037 ROI $8,241.29
3/31/2037 ROI $8,287.76
4/15/2037 self Roth conversion $14,335
4/15/2037 Income Tax $0 Single
4/30/2037 ROI $8,334.50
5/29/2037 ROI $8,381.50
6/30/2037 ROI $8,428.76
7/4/2037 Happy 61st Birthday self!
7/31/2037 ROI $8,476.29
8/31/2037 ROI $8,524.09
9/30/2037 ROI $8,572.16
10/30/2037 ROI $8,620.50
11/30/2037 ROI $8,669.12
12/31/2037 ROI $8,718.01
1/29/2038 ROI $8,767.17
2/26/2038 ROI $8,816.61
3/31/2038 ROI $8,866.33
4/15/2038 self Roth conversion $14,307
4/15/2038 Income Tax $0 Single
4/30/2038 ROI $8,916.34
5/28/2038 ROI $8,966.62
6/30/2038 ROI $9,017.19
7/4/2038 Happy 62nd Birthday self!
7/30/2038 ROI $9,068.04
8/31/2038 ROI $9,119.18
9/30/2038 ROI $9,170.61
10/29/2038 ROI $9,222.33
11/30/2038 ROI $9,274.34
12/31/2038 ROI $9,326.65
1/31/2039 ROI $9,379.25
2/28/2039 ROI $9,432.15
3/31/2039 ROI $9,485.34
4/15/2039 self Roth conversion $14,277
4/15/2039 Income Tax $0 Single
4/29/2039 ROI $9,538.84
5/31/2039 ROI $9,592.64
6/30/2039 ROI $9,646.74
7/4/2039 Happy 63rd Birthday self!
7/29/2039 ROI $9,701.15
8/31/2039 ROI $9,755.86
9/30/2039 ROI $9,810.88
10/31/2039 ROI $9,866.22
11/30/2039 ROI $9,921.87
12/30/2039 ROI $9,977.83
1/31/2040 ROI $10,034.10
2/29/2040 ROI $10,090.70
3/30/2040 ROI $10,147.61
4/16/2040 self Roth conversion $14,247
4/16/2040 Income Tax $0 Single
4/30/2040 ROI $10,204.85
5/31/2040 ROI $10,262.40
6/29/2040 ROI $10,320.29
7/4/2040 Happy 64th Birthday self!
7/31/2040 ROI $10,378.50
8/31/2040 ROI $10,437.04
9/28/2040 ROI $10,495.91
10/31/2040 ROI $10,555.11
11/30/2040 ROI $10,614.64
12/31/2040 ROI $10,674.51
1/31/2041 ROI $10,734.72
2/28/2041 ROI $10,795.27
3/29/2041 ROI $10,856.17
4/15/2041 self Roth conversion $14,215
4/15/2041 Income Tax $0 Single
4/30/2041 ROI $10,917.40
5/31/2041 ROI $10,978.98
6/28/2041 ROI $11,040.91
7/4/2041 Happy 65th Birthday self!
7/31/2041 ROI $11,103.19
8/30/2041 ROI $11,165.82
9/30/2041 ROI $11,228.80
10/31/2041 ROI $11,292.14
11/29/2041 ROI $11,355.84
12/31/2041 ROI $11,419.90
1/31/2042 ROI $11,484.31
2/28/2042 ROI $11,549.10
3/31/2042 ROI $11,614.24
4/15/2042 self Roth conversion $14,181
4/15/2042 Income Tax $0 Single
4/30/2042 ROI $11,679.76
5/30/2042 ROI $11,745.64
6/30/2042 ROI $11,811.90
7/4/2042 Happy 66th Birthday self!
7/31/2042 ROI $11,878.53
8/29/2042 ROI $11,945.54
9/30/2042 ROI $12,012.93
10/31/2042 ROI $12,080.69
11/28/2042 ROI $12,148.84
12/31/2042 ROI $12,217.38
1/30/2043 ROI $12,286.30
2/27/2043 ROI $12,355.61
3/31/2043 ROI $12,425.31
4/15/2043 self Roth conversion $14,147
4/15/2043 Income Tax $0 Single
4/30/2043 ROI $12,495.40
5/29/2043 ROI $12,565.89
6/30/2043 ROI $12,636.78
7/4/2043 Happy 67th Birthday self!
7/8/2043 self SS => Taxable $1,776
7/31/2043 ROI $12,714.24
8/12/2043 self SS => Taxable $1,776
8/31/2043 ROI $12,792.13
9/9/2043 self SS => Taxable $1,776
9/30/2043 ROI $12,870.44
10/14/2043 self SS => Taxable $1,776
10/30/2043 ROI $12,949.17
11/11/2043 self SS => Taxable $1,776
11/30/2043 ROI $13,028.34
12/9/2043 self SS => Taxable $1,776
12/31/2043 ROI $13,107.95
1/13/2044 self SS => Taxable $1,776
1/29/2044 ROI $13,187.99
2/10/2044 self SS => Taxable $1,776
2/29/2044 ROI $13,268.46
3/9/2044 self SS => Taxable $1,776
3/31/2044 ROI $13,349.38
4/13/2044 self SS => Taxable $1,776
4/15/2044 self Roth conversion $13,980
4/15/2044 Income Tax $0 Single
4/29/2044 ROI $13,430.74
5/11/2044 self SS => Taxable $1,776
5/31/2044 ROI $13,512.55
6/8/2044 self SS => Taxable $1,776
6/30/2044 ROI $13,594.80
7/4/2044 Happy 68th Birthday self!
7/13/2044 self SS => Taxable $1,776
7/29/2044 ROI $13,677.51
8/10/2044 self SS => Taxable $1,776
8/31/2044 ROI $13,760.67
9/14/2044 self SS => Taxable $1,776
9/30/2044 ROI $13,844.28
10/12/2044 self SS => Taxable $1,776
10/31/2044 ROI $13,928.35
11/9/2044 self SS => Taxable $1,776
11/30/2044 ROI $14,012.88
12/14/2044 self SS => Taxable $1,776
12/30/2044 ROI $14,097.88
1/11/2045 self SS => Taxable $1,776
1/31/2045 ROI $14,183.34
2/8/2045 self SS => Taxable $1,776
2/28/2045 ROI $14,269.27
3/8/2045 self SS => Taxable $1,776
3/31/2045 ROI $14,355.67
4/12/2045 self SS => Taxable $1,776
4/17/2045 self Roth conversion $13,127
4/17/2045 Income Tax $0 Single
4/28/2045 ROI $14,442.54
5/10/2045 self SS => Taxable $1,776
5/31/2045 ROI $14,529.89
6/14/2045 self SS => Taxable $1,776
6/30/2045 ROI $14,617.72
7/4/2045 Happy 69th Birthday self!
7/12/2045 self SS => Taxable $1,776
7/31/2045 ROI $14,706.03
8/9/2045 self SS => Taxable $1,776
8/31/2045 ROI $14,794.83
9/13/2045 self SS => Taxable $1,776
9/29/2045 ROI $14,884.11
10/11/2045 self SS => Taxable $1,776
10/31/2045 ROI $14,973.88
11/8/2045 self SS => Taxable $1,776
11/30/2045 ROI $15,064.14
12/13/2045 self SS => Taxable $1,776
12/29/2045 ROI $15,154.90
1/10/2046 self SS => Taxable $1,776
1/31/2046 ROI $15,246.15
2/14/2046 self SS => Taxable $1,776
2/28/2046 ROI $15,337.91
3/14/2046 self SS => Taxable $1,776
3/30/2046 ROI $15,430.17
4/11/2046 self SS => Taxable $1,776
4/16/2046 self Roth conversion $12,141
4/16/2046 Income Tax $0 Single
4/30/2046 ROI $15,522.93
5/9/2046 self SS => Taxable $1,776
5/31/2046 ROI $15,616.21
6/13/2046 self SS => Taxable $1,776
6/29/2046 ROI $15,709.99
7/4/2046 Happy 70th Birthday self!
7/11/2046 self SS => Taxable $1,776
7/31/2046 ROI $15,804.29
8/8/2046 self SS => Taxable $1,776
8/31/2046 ROI $15,899.11
9/12/2046 self SS => Taxable $1,776
9/28/2046 ROI $15,994.44
10/10/2046 self SS => Taxable $1,776
10/31/2046 ROI $16,090.30
11/14/2046 self SS => Taxable $1,776
11/30/2046 ROI $16,186.69
12/12/2046 self SS => Taxable $1,776
12/31/2046 ROI $16,283.61
1/9/2047 self SS => Taxable $1,776
1/31/2047 ROI $16,381.05
2/13/2047 self SS => Taxable $1,776
2/28/2047 ROI $16,479.03
3/13/2047 self SS => Taxable $1,776
3/29/2047 ROI $16,577.55
4/10/2047 self SS => Taxable $1,776
4/15/2047 self Roth conversion $11,114
4/15/2047 Income Tax $0 Single
4/30/2047 ROI $16,676.61
5/8/2047 self SS => Taxable $1,776
5/31/2047 ROI $16,776.22
6/12/2047 self SS => Taxable $1,776
6/28/2047 ROI $16,876.37
7/4/2047 Happy 71st Birthday self!
7/10/2047 self SS => Taxable $1,776
7/31/2047 ROI $16,977.07
8/14/2047 self SS => Taxable $1,776
8/30/2047 ROI $17,078.32
9/11/2047 self SS => Taxable $1,776
9/30/2047 ROI $17,180.13
10/9/2047 self SS => Taxable $1,776
10/31/2047 ROI $17,282.50
11/13/2047 self SS => Taxable $1,776
11/29/2047 ROI $17,385.43
12/11/2047 self SS => Taxable $1,776
12/31/2047 ROI $17,488.93
1/8/2048 self SS => Taxable $1,776
1/31/2048 ROI $17,592.99
2/12/2048 self SS => Taxable $1,776
2/28/2048 ROI $17,697.62
3/11/2048 self SS => Taxable $1,776
3/31/2048 ROI $17,802.83
4/8/2048 self SS => Taxable $1,776
4/15/2048 self Roth conversion $10,043
4/15/2048 Income Tax $0 Single
4/30/2048 ROI $17,908.62
5/13/2048 self SS => Taxable $1,776
5/29/2048 ROI $18,014.99
6/10/2048 self SS => Taxable $1,776
6/30/2048 ROI $18,121.94
7/4/2048 Happy 72nd Birthday self!
7/8/2048 self SS => Taxable $1,776
7/31/2048 ROI $18,229.48
8/12/2048 self SS => Taxable $1,776
8/31/2048 ROI $18,337.62
9/9/2048 self SS => Taxable $1,776
9/30/2048 ROI $18,446.34
10/14/2048 self SS => Taxable $1,776
10/30/2048 ROI $18,555.66
11/11/2048 self SS => Taxable $1,776
11/30/2048 ROI $18,665.59
12/9/2048 self SS => Taxable $1,776
12/31/2048 ROI $18,776.12
1/13/2049 self SS => Taxable $1,776
1/29/2049 ROI $18,887.25
2/10/2049 self SS => Taxable $1,776
2/26/2049 ROI $18,999.00
3/10/2049 self SS => Taxable $1,776
3/31/2049 ROI $19,111.36
4/14/2049 self SS => Taxable $1,776
4/15/2049 self Roth conversion $8,927
4/15/2049 Income Tax $0 Single
4/30/2049 ROI $19,224.33
5/12/2049 self SS => Taxable $1,776
5/28/2049 ROI $19,337.93
6/9/2049 self SS => Taxable $1,776
6/30/2049 ROI $19,452.15
7/4/2049 Happy 73rd Birthday self!
7/14/2049 self SS => Taxable $1,776
7/30/2049 ROI $19,567.01
8/11/2049 self SS => Taxable $1,776
8/31/2049 ROI $19,682.49
9/8/2049 self SS => Taxable $1,776
9/30/2049 ROI $19,798.60
10/13/2049 self SS => Taxable $1,776
10/29/2049 ROI $19,915.36
11/10/2049 self SS => Taxable $1,776
11/30/2049 ROI $20,032.76
12/8/2049 self SS => Taxable $1,776
12/31/2049 self RMD distribution $98,810
12/31/2049 ROI $20,150.80
1/12/2050 self SS => Taxable $1,776
1/31/2050 ROI $20,269.49
2/9/2050 self SS => Taxable $1,776
2/28/2050 ROI $20,388.84
3/9/2050 self SS => Taxable $1,776
3/31/2050 ROI $20,508.84
4/13/2050 self SS => Taxable $1,776
4/15/2050 Income Tax $19,046 Single
4/29/2050 ROI $20,347.95
5/11/2050 self SS => Taxable $1,776
5/31/2050 ROI $20,467.08
6/8/2050 self SS => Taxable $1,776
6/30/2050 ROI $20,586.87
7/4/2050 Happy 74th Birthday self!
7/13/2050 self SS => Taxable $1,776
7/29/2050 ROI $20,707.30
8/10/2050 self SS => Taxable $1,776
8/31/2050 ROI $20,828.40
9/14/2050 self SS => Taxable $1,776
9/30/2050 ROI $20,950.16
10/12/2050 self SS => Taxable $1,776
10/31/2050 ROI $21,072.59
11/9/2050 self SS => Taxable $1,776
11/30/2050 ROI $21,195.69
12/14/2050 self SS => Taxable $1,776
12/30/2050 self RMD distribution $110,547
12/30/2050 ROI $21,319.47
1/11/2051 self SS => Taxable $1,776
1/31/2051 ROI $21,443.92
2/8/2051 self SS => Taxable $1,776
2/28/2051 ROI $21,569.06
3/8/2051 self SS => Taxable $1,776
3/31/2051 ROI $21,694.88
4/12/2051 self SS => Taxable $1,776
4/17/2051 Income Tax $23,813 Single
4/28/2051 ROI $21,497.71
5/10/2051 self SS => Taxable $1,776
5/31/2051 ROI $21,622.42
6/14/2051 self SS => Taxable $1,776
6/30/2051 ROI $21,747.83
7/4/2051 Happy 75th Birthday self!
7/12/2051 self SS => Taxable $1,776
7/31/2051 ROI $21,873.91
8/9/2051 self SS => Taxable $1,776
8/31/2051 ROI $22,000.69
9/13/2051 self SS => Taxable $1,776
9/29/2051 ROI $22,128.15
10/11/2051 self SS => Taxable $1,776
10/31/2051 ROI $22,256.32
11/8/2051 self SS => Taxable $1,776
11/30/2051 ROI $22,385.18
12/13/2051 self SS => Taxable $1,776
12/29/2051 self RMD distribution $117,655
12/29/2051 ROI $22,514.75
1/10/2052 self SS => Taxable $1,776
1/31/2052 ROI $22,645.03
2/14/2052 self SS => Taxable $1,776
2/29/2052 ROI $22,776.02
3/13/2052 self SS => Taxable $1,776
3/29/2052 ROI $22,907.72
4/10/2052 self SS => Taxable $1,776
4/15/2052 Income Tax $28,307 Single
4/30/2052 ROI $22,685.35
5/8/2052 self SS => Taxable $1,776
5/31/2052 ROI $22,815.82
6/12/2052 self SS => Taxable $1,776
6/28/2052 ROI $22,946.99
7/4/2052 Happy 76th Birthday self!
7/10/2052 self SS => Taxable $1,776
7/31/2052 ROI $23,078.88
8/14/2052 self SS => Taxable $1,776
8/30/2052 ROI $23,211.49
9/11/2052 self SS => Taxable $1,776
9/30/2052 ROI $23,344.82
10/9/2052 self SS => Taxable $1,776
10/31/2052 ROI $23,478.88
11/13/2052 self SS => Taxable $1,776
11/29/2052 ROI $23,613.67
12/11/2052 self SS => Taxable $1,776
12/31/2052 self RMD distribution $123,892
12/31/2052 ROI $23,749.19
1/8/2053 self SS => Taxable $1,776
1/31/2053 ROI $23,885.45
2/12/2053 self SS => Taxable $1,776
2/28/2053 ROI $24,022.45
3/12/2053 self SS => Taxable $1,776
3/31/2053 ROI $24,160.20
4/9/2053 self SS => Taxable $1,776
4/15/2053 Income Tax $31,088 Single
4/30/2053 ROI $23,920.65
5/14/2053 self SS => Taxable $1,776
5/30/2053 ROI $24,057.06
6/11/2053 self SS => Taxable $1,776
6/30/2053 ROI $24,194.21
7/4/2053 Happy 77th Birthday self!
7/9/2053 self SS => Taxable $1,776
7/31/2053 ROI $24,332.11
8/13/2053 self SS => Taxable $1,776
8/29/2053 ROI $24,470.76
9/10/2053 self SS => Taxable $1,776
9/30/2053 ROI $24,610.16
10/8/2053 self SS => Taxable $1,776
10/31/2053 ROI $24,750.32
11/12/2053 self SS => Taxable $1,776
11/28/2053 ROI $24,891.24
12/10/2053 self SS => Taxable $1,776
12/31/2053 self RMD distribution $131,232
12/31/2053 ROI $25,032.92
1/14/2054 self SS => Taxable $1,776
1/30/2054 ROI $25,175.38
2/11/2054 self SS => Taxable $1,776
2/27/2054 ROI $25,318.60
3/11/2054 self SS => Taxable $1,776
3/31/2054 ROI $25,462.61
4/8/2054 self SS => Taxable $1,776
4/15/2054 Income Tax $34,222 Single
4/30/2054 ROI $25,202.45
5/13/2054 self SS => Taxable $1,776
5/29/2054 ROI $25,345.00
6/10/2054 self SS => Taxable $1,776
6/30/2054 ROI $25,488.32
7/4/2054 Happy 78th Birthday self!
7/8/2054 self SS => Taxable $1,776
7/31/2054 ROI $25,632.42
8/12/2054 self SS => Taxable $1,776
8/31/2054 ROI $25,777.30
9/9/2054 self SS => Taxable $1,776
9/30/2054 ROI $25,922.96
10/14/2054 self SS => Taxable $1,776
10/30/2054 ROI $26,069.41
11/11/2054 self SS => Taxable $1,776
11/30/2054 ROI $26,216.65
12/9/2054 self SS => Taxable $1,776
12/31/2054 self RMD distribution $137,874
12/31/2054 ROI $26,364.69
1/13/2055 self SS => Taxable $1,776
1/29/2055 ROI $26,513.53
2/10/2055 self SS => Taxable $1,776
2/26/2055 ROI $26,663.17
3/10/2055 self SS => Taxable $1,776
3/31/2055 ROI $26,813.63
4/14/2055 self SS => Taxable $1,776
4/15/2055 Income Tax $38,879 Single
4/30/2055 ROI $26,529.30
5/12/2055 self SS => Taxable $1,776
5/28/2055 ROI $26,678.18
6/9/2055 self SS => Taxable $1,776
6/30/2055 ROI $26,827.86
7/4/2055 Happy 79th Birthday self!
7/14/2055 self SS => Taxable $1,776
7/30/2055 ROI $26,978.34
8/11/2055 self SS => Taxable $1,776
8/31/2055 ROI $27,129.64
9/8/2055 self SS => Taxable $1,776
9/30/2055 ROI $27,281.76
10/13/2055 self SS => Taxable $1,776
10/29/2055 ROI $27,434.70
11/10/2055 self SS => Taxable $1,776
11/30/2055 ROI $27,588.46
12/8/2055 self SS => Taxable $1,776
12/31/2055 self RMD distribution $144,602
12/31/2055 ROI $27,743.05
1/12/2056 self SS => Taxable $1,776
1/31/2056 ROI $27,898.48
2/9/2056 self SS => Taxable $1,776
2/29/2056 ROI $28,054.74
3/8/2056 self SS => Taxable $1,776
3/31/2056 ROI $28,211.85
4/12/2056 self SS => Taxable $1,776
4/17/2056 Income Tax $42,145 Single
4/28/2056 ROI $27,908.20
5/10/2056 self SS => Taxable $1,776
5/31/2056 ROI $28,063.62
6/14/2056 self SS => Taxable $1,776
6/30/2056 ROI $28,219.88
7/4/2056 Happy 80th Birthday self!
7/12/2056 self SS => Taxable $1,776
7/31/2056 ROI $28,376.98
8/9/2056 self SS => Taxable $1,776
8/31/2056 ROI $28,534.92
9/13/2056 self SS => Taxable $1,776
9/29/2056 ROI $28,693.72
10/11/2056 self SS => Taxable $1,776
10/31/2056 ROI $28,853.37
11/8/2056 self SS => Taxable $1,776
11/30/2056 ROI $29,013.87
12/13/2056 self SS => Taxable $1,776
12/29/2056 self RMD distribution $151,443
12/29/2056 ROI $29,175.24
1/10/2057 self SS => Taxable $1,776
1/31/2057 ROI $29,337.48
2/14/2057 self SS => Taxable $1,776
2/28/2057 ROI $29,500.59
3/14/2057 self SS => Taxable $1,776
3/30/2057 ROI $29,664.58
4/11/2057 self SS => Taxable $1,776
4/16/2057 Income Tax $47,865 Single
4/30/2057 ROI $29,333.05
5/9/2057 self SS => Taxable $1,776
5/31/2057 ROI $29,495.22
6/13/2057 self SS => Taxable $1,776
6/29/2057 ROI $29,658.26
7/4/2057 Happy 81st Birthday self!
7/11/2057 self SS => Taxable $1,776
7/31/2057 ROI $29,822.17
8/8/2057 self SS => Taxable $1,776
8/31/2057 ROI $29,986.96
9/12/2057 self SS => Taxable $1,776
9/28/2057 ROI $30,152.64
10/10/2057 self SS => Taxable $1,776
10/31/2057 ROI $30,319.20
11/14/2057 self SS => Taxable $1,776
11/30/2057 ROI $30,486.65
12/12/2057 self SS => Taxable $1,776
12/31/2057 self RMD distribution $158,358
12/31/2057 ROI $30,655.01
1/9/2058 self SS => Taxable $1,776
1/31/2058 ROI $30,824.26
2/13/2058 self SS => Taxable $1,776
2/28/2058 ROI $30,994.43
3/13/2058 self SS => Taxable $1,776
3/29/2058 ROI $31,165.50
4/10/2058 self SS => Taxable $1,776
4/15/2058 Income Tax $52,946 Single
4/30/2058 ROI $30,808.37
5/8/2058 self SS => Taxable $1,776
5/31/2058 ROI $30,977.50
6/12/2058 self SS => Taxable $1,776
6/28/2058 ROI $31,147.53
7/4/2058 Happy 82nd Birthday self!
7/10/2058 self SS => Taxable $1,776
7/31/2058 ROI $31,318.48
8/14/2058 self SS => Taxable $1,776
8/30/2058 ROI $31,490.33
9/11/2058 self SS => Taxable $1,776
9/30/2058 ROI $31,663.10
10/9/2058 self SS => Taxable $1,776
10/31/2058 ROI $31,836.80
11/13/2058 self SS => Taxable $1,776
11/29/2058 ROI $32,011.42
12/11/2058 self SS => Taxable $1,776
12/31/2058 self RMD distribution $163,619
12/31/2058 ROI $32,186.98
1/8/2059 self SS => Taxable $1,776
1/31/2059 ROI $32,363.48
2/12/2059 self SS => Taxable $1,776
2/28/2059 ROI $32,540.92
3/12/2059 self SS => Taxable $1,776
3/31/2059 ROI $32,719.31
4/9/2059 self SS => Taxable $1,776
4/15/2059 Income Tax $57,570 Single
4/30/2059 ROI $32,342.00
5/14/2059 self SS => Taxable $1,776
5/30/2059 ROI $32,518.36
6/11/2059 self SS => Taxable $1,776
6/30/2059 ROI $32,695.65
7/4/2059 Happy 83rd Birthday self!
7/9/2059 self SS => Taxable $1,776
7/31/2059 ROI $32,873.89
8/13/2059 self SS => Taxable $1,776
8/29/2059 ROI $33,053.08
9/10/2059 self SS => Taxable $1,776
9/30/2059 ROI $33,233.22
10/8/2059 self SS => Taxable $1,776
10/31/2059 ROI $33,414.32
11/12/2059 self SS => Taxable $1,776
11/28/2059 ROI $33,596.39
12/10/2059 self SS => Taxable $1,776
12/31/2059 self RMD distribution $168,454
12/31/2059 ROI $33,779.43
1/14/2060 self SS => Taxable $1,776
1/30/2060 ROI $33,963.45
2/11/2060 self SS => Taxable $1,776
2/27/2060 ROI $34,148.45
3/10/2060 self SS => Taxable $1,776
3/31/2060 ROI $34,334.43
4/14/2060 self SS => Taxable $1,776
4/15/2060 Income Tax $62,171 Single
4/30/2060 ROI $33,938.22
5/12/2060 self SS => Taxable $1,776
5/28/2060 ROI $34,122.09
6/9/2060 self SS => Taxable $1,776
6/30/2060 ROI $34,306.94
7/4/2060 Happy 84th Birthday self!
7/14/2060 self SS => Taxable $1,776
7/30/2060 ROI $34,492.77
8/11/2060 self SS => Taxable $1,776
8/31/2060 ROI $34,679.59
9/8/2060 self SS => Taxable $1,776
9/30/2060 ROI $34,867.40
10/13/2060 self SS => Taxable $1,776
10/29/2060 ROI $35,056.21
11/10/2060 self SS => Taxable $1,776
11/30/2060 ROI $35,246.02
12/8/2060 self SS => Taxable $1,776
12/31/2060 self RMD distribution $172,890
12/31/2060 ROI $35,436.84
1/12/2061 self SS => Taxable $1,776
1/31/2061 ROI $35,628.68
2/9/2061 self SS => Taxable $1,776
2/28/2061 ROI $35,821.54
3/9/2061 self SS => Taxable $1,776
3/31/2061 ROI $36,015.42
4/13/2061 self SS => Taxable $1,776
4/15/2061 Income Tax $66,859 Single
4/29/2061 ROI $35,601.19
5/11/2061 self SS => Taxable $1,776
5/31/2061 ROI $35,792.89
6/8/2061 self SS => Taxable $1,776
6/30/2061 ROI $35,985.61
7/4/2061 Happy 85th Birthday self!
7/13/2061 self SS => Taxable $1,776
7/29/2061 ROI $36,179.35
8/10/2061 self SS => Taxable $1,776
8/31/2061 ROI $36,374.12
9/14/2061 self SS => Taxable $1,776
9/30/2061 ROI $36,569.92
10/12/2061 self SS => Taxable $1,776
10/31/2061 ROI $36,766.75
11/9/2061 self SS => Taxable $1,776
11/30/2061 ROI $36,964.63
12/14/2061 self SS => Taxable $1,776
12/30/2061 self RMD distribution $176,816
12/30/2061 ROI $37,163.56
1/11/2062 self SS => Taxable $1,776
1/31/2062 ROI $37,363.55
2/8/2062 self SS => Taxable $1,776
2/28/2062 ROI $37,564.59
3/8/2062 self SS => Taxable $1,776
3/31/2062 ROI $37,766.71
4/12/2062 self SS => Taxable $1,776
4/17/2062 Income Tax $71,768 Single
4/28/2062 ROI $37,335.13
5/10/2062 self SS => Taxable $1,776
5/31/2062 ROI $37,535.01
6/14/2062 self SS => Taxable $1,776
6/30/2062 ROI $37,735.94
7/4/2062 Happy 86th Birthday self!
7/12/2062 self SS => Taxable $1,776
7/31/2062 ROI $37,937.94
8/31/2062 ROI $38,134.83
9/29/2062 ROI $38,332.78
10/31/2062 ROI $38,531.78
11/30/2062 ROI $38,731.84
12/29/2062 ROI $38,932.98
1/31/2063 ROI $39,135.19
2/28/2063 ROI $39,338.48
3/30/2063 ROI $39,542.86
4/16/2063 Income Tax $20,796 Single
4/30/2063 ROI $39,676.07
5/31/2063 ROI $39,882.39
6/29/2063 ROI $40,089.82
7/31/2063 ROI $40,298.35
8/31/2063 ROI $40,508.00
9/28/2063 ROI $40,718.77
10/31/2063 ROI $40,930.67
11/30/2063 ROI $41,143.70
12/31/2063 ROI $41,357.88
1/31/2064 ROI $41,573.20
2/29/2064 ROI $41,789.67
3/31/2064 ROI $42,007.31