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Reply To: Conversion size vs the first IRMAA threshold — how close do you cut it?

#43

We typically leave a few thousand dollars of headroom below the threshold, and we do the final sizing in November or December once the year’s actual income is nearly known. Capital gain distributions from funds are the usual culprit for an unexpected overshoot — they are declared late in the year and can push you over after you thought you were done. General guidance rather than advice for your return.