Taking advantage of the zero percent capital gain rates of : Up to $48,350 in taxable income if single, and $96,700 if married filing jointly is one strategy.
Another one is to harvest losses by selling off some individual investments that are currently at a loss.
Converting the IRAs to Roth IRAs in lower income years and in spreading out the conversion in smaller amounts year over year can reduce the tax impact. Don't forget to factor in the standard deduction that will reduce your taxable income. $15,750 if single and $31,500 if married filing jointly.
Hope this helps!
Cindy
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