Thank you very, very much! I thought that would be the correct answer, but I wanted to verify if possible.
For years now, in late Dec, I have made IRA conversions to Roth accounts up to the projected Medicare first surcharge bracket for 2 years out, less a few thousand dollars to prevent accidental creepage "over the line". Crossing that line by just $1 would add more than $2,200 to my tax bill.
You helped me proceed as normal, instead of giving up $16,000 of Roth conversion "window"!
Thanks again!
