rbynaker
Level 14

Great article.  I like to recommend the "ladder" approach mentioned at the end of the article.  No point in driving yourself into a high tax bracket in one year only to leave your standard deduction un-utilized in future years.

I've had some (personal) slow and clunky experiences with rollovers the past couple years so if you're going to use the step ladder it might make sense to roll from 401(k) to Traditional IRA first, at an institution that can facilitate easy online Roth conversions (Vanguard is one, Fidelity is probably another, mixed results with other brokers).

Rick