The owner died in 2021 and I knew then I'd need to distribute the entire balance by December 31, 2031. People enrolled in ACA Marketplace Health plans at (somewhat) higher incomes pay an additional income tax amounting to 8.5% of their income for those years they are enrolled. I did the right thing. Spreadsheet was accurate. No distributions while enrolled in ACA. I appreciate the info here about changing tax rates in the future and I'll continue to run those numbers. But the basic plan was even distributions except for 2022 and 2023. I still think that's best. I'm glad to learn I have the choice of whether or not to take a distribution for 2023, but if I do, it'll have to get past that ACA test also.
