📈 Stock Market 1d ago · Marc Guberti

Have a Large 401(k) Balance and Approaching 62? Make Sure You Start Roth Conversions Before RMDs Force Your Hand

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The post Have a Large 401(k) Balance and Approaching 62? Make Sure You Start Roth Conversions Before RMDs Force Your Hand appeared first on 24/7 Wall St..



$1.8M at 6% growth hits $4.3M by age 73, triggering $162K annual RMD taxed as ordinary income.

Execute largest Roth conversions before age 63 to avoid Medicare IRMAA surcharges on converted income.

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