seionage wrote:I'm a physician in the mid-stage of my career (age 45 and been in practice since 1999). I contribute the maximum to my group's available tax-deductible plans (401k and HSA) every year. Can I assume that, when I retire, I will actually be in a lower tax bracket than I am in now? If the answer is "most likely, yes", then does it make any sense to convert tIRA and non-deductible IRA accounts to Roth IRAs?
seionage wrote:My plan is to roll over my tIRA to my TSP (my military retirement account). Then, I'll set up a back door Roth IRA. Hopefully, this will be a good plan in the long run.
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