This will be our first full year of retirement taxes. We are married filing jointly and trying to stay within certain IRRMA brackets to keep our healthcare costs under control. One of us has extremely high drug costs and Plan D premiums. We still have a mortgage and live in a high tax state. End of the year tax estimate is super important for us. We feel like we are forced into higher IRRMA just paying our mortgage and state taxes + social security income. How would a ROTH conversion help or hurt us? Is it worth doing it as this stage, what are the advantages? What is the best way for us to do accurate estimated taxes now going into year end. Including looking at a ROTH conversion scenario? IRRMA seems to be based on AGI not MAGI. How can we affect AGI? Is there a way?
