68 • BECKY RUBY SWANSBURG AND NEIL WILDING fees. 42 So tax-free funds in retirement can also potentially reduce other taxes and fees. Evaluating Roth Conversions Pmearyhbaep sy oyuohua’ vvee ec vo enns i cdoenr ev de r tae dR soot hm ec of unnv de rs sai ol rne aidny .t hA es ypoaus tm, aoyr ha pa vp ee anro—t i c ee sdp, eRcoi at hl l yc ao fnt ve er rOs Bi oBnBs Ac. aYno bu emmu sotr eb acloa mn cpel epxa yt hi nagn t at hx ee ys aTnhderIeRMarAeAa tloodt aoyf mwoitvhineglimpainrtast!ing taxes and IRMAA in the future. j u s Bt untetehda na kgfuuil dl ye, . yAonudd oI ’nm’ t ahbaovue tt ot of i ignutrreo di tuocuet yoonuy ot ou ro onwe no.f Yt ohue besNt egiul iids ems yincoth-aeuctohuonr tarnyd: N, meiol rWe iilmdipnogr.tantly, an expert on iden- toinf yei nogf ahni sd ma di sdsrieosnssi ntgo ehmeel pr gsi na vg errest ilri ek me eyno tu r iusnkds .eHr set ahnads mh oawd e tiot ethvealmuaotset teaffxeecstiivne rwetaiyrepmosesnitblaen. d, if necessary, convert funds in a p pI nr otahceh cahRa op tt he rcso anhv ee ar sdi, oNn ei inl ti os dgaoyi n’ sgp toos ts-hOoBwB By Ao ue nhvoiwr o nt ombeenstt. Soof tIh’lel bbiodoyko!)u adieu for now. (Don’t worry, I’ll be back at the end natIiolena’sveleaydouinginetxhpeerctaspoanblReohthancdosnvoefrmsioyncso. -author, one of the 42 l a tDe do nMnoa nLtehVl ya lAl edyj u. Ks ti mp l ei nngt eAr m. J uo nu en t2)5? ”, 2h0t t2p5s.: /“ W/ whwa twi s. ktihpel i nI Rg Me rA. cAo m( I /nrceotmi r ee -- R e - ment/medicare/what-is-the-irmaa
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