No. of Recommendations: 1
However, I did some simulations in Boldin and both of us delaying significantly increases portfolio value mostly because we get more headroom to do Roth conversions. The tax savings by delaying are substantial.
I need to talk to Fido again. I was doing Roth conversion, but stopped due to ACA subsidies and realized income. I sold some stock last year, which reduced our dividends. If I can Roth a bit more safely, I will. Though I understand I have to be careful as the amount I will pay for Medicare is based on my income the prior year (or is it two years?).
