Single Woman - Late 60s


‘Kate’ came to us having saved just over $1 million in her company 401k plan. She had just retired and wanted to make sure that her savings provided the best possible outcome. She also had done a great job of saving outside of the company plan, and had a couple of rental properties that create a small amount of income annually. As you can see, she found her way to some very significant savings; not only in taxes, but also with Medicare premiums. 

The Savings

No Conversion Current Tax Bracket Optimal Strategy
Projected RMDs $2,183,437 $1,883,601 $ 0
Projected Medicare Premiums $ 297,852 $ 315,286 $ 204,490
Tax Avoidance None $ 241,127 $1,450,407

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