Retirement tax questions

and when you estimate your income, be sure to reduce it by your standard deduction... DO NOT estimate anything that is subject to long term capital gains or Long term capital  distributions. because that uses a different tax bracket table. 

 

@SteamTrain - maybe I am not tracking with you, but I would not include LT distributed capital gains - that doesn't follow the ordinary tax bracket.   but ST distributed capital gains would be added into ordinary income and be subject to the ordinary tax bracket schedule.