Thank you. The highlighted question that I wrote is if the tax rate on the distributions increase due to changes in law(always possible), wouldn’t it be prudent to take the distribution at an earlier age (between 70-73), decrease the amount of money remaining in the retirement account, and pay the taxes on the distribution. Later if the tax rate changes, one saves a good bit of money depending on how much the tax rate increases. It is very unlikely that taxes on distributions will decrease, so one has effectively lowered their tax liability on the distributions by taking the distributions between (70-74).
And yes, understand that the tax rate could remain the same, but one is simply mitigating that risk.
What is your opinion?
