This is my first full year of retirement so no Wages this year. Just started taking my Social Security so with 6 months of that and a pension my income for this year should be around $31,000 - 32,000. I was told by a Certified Financial Planner that I should be in a lower tax bracket and should not have to pay any capital gains tax if I sell a mutual fund that is underperforming and transfer to a fund with less risk. I am 66 years old. Does that sound correct?
