AS tax considerations are specific to each situation..... EVEN with 60% of a high base after 32 years, it only took about three filings to recharacterize a TSP deferred account to a Roth and still "swallow" the tax bracket creep.. Hidden benefit, IF your numbers may be slightly less, Medicare premiums will be based on lower income distributions on eligible/mandatory. There are many "tricks" which SHOULD be understood at least as well as cut and paste skills.
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