The tax code shifts a surviving spouse from married to single filer brackets the year after their spouse passes, often pushing the same income into significantly higher tax rates, while required minimum distributions continue unchanged. Craig at Sage Rutty explains why married couples currently sitting comfortably inside a lower tax bracket may want to consider realizing more income now, through a Roth conversion or extra distributions, to reduce the tax burden their surviving spouse would otherwise face on the same money later.
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