74 • BECKY RUBY SWANSBURG AND NEIL WILDING t a xTbhuerbdeesnt uwnadyetro tawnos ws ceerntahri isoqs :u eksetei po ni n igs yt oo uerv aI Rl uAa taesyiot uirs , t oa tnadl converting it to a Roth IRA. 2 | Will converting funds move me into a higher tax bracket during my conversion years, and if so, how much more will I pay? Bc oemc aeu isne tf hu en dyse awri tt hh de yr a’ rwe nwfirtohmd raa wq una, ltihf ieerde a’ sc ac oguonotda cr he at anxc ae byl oe ui n’ l -l ha da vd ei t iaodndailt ii onnc oa lmtea xpaubslhe eisn cyoomu ei nitno tah he i yg he ae rr st ayxo ub rcaocnkveet ,r tt .hIef pt hoar t- thiiognheorfttahxerecsopnovnesritbeidlitfyu.nds in that higher bracket will have a a c Tr uhci si asl i tmu ea at isounr ei s tsoo mc oent ismi deesr rbe ef ef or rr ee dc toonavse r“ tsai ox nd. rYi fot ”u a’ l nl dwcaannt bt oe wt i aeli gmhoadneyl eadd dt ai txi osnaavli nt agxseos fpaa iRdodt uh ectoontvaexr ds iroi fnt . aTgha ii sn satntahl ey spi os tceann- ptiroonvsidoef yaomurorceoncovemrpsiroenh.ensive understanding of the tax implica- 3 | Will converting funds impact the government fees I owe each year, aside from taxes, and if so, by how much? Tu ahti es , cei rscpuemc isatlal yn ci fe yi so wu ’ hr ee roenI RMMeAd Ai c abreec oomr ewsi lslobi em ipno rt ht aennt et ox te vf eawl - ymeoadr si f. i Ae ds yaoduj ums taeydr ge rc oa sl ls, IiRnMc oAmAef e( eMs AaGr eI )c. aTl chue l ahti eg dh ebra syeodu ro nMyAoGuIr, the higher the IRMAA amount you could pay.
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