Tax Optimization: Roth Conversion, ACA PTC & Cost Reductions, Maximizing 0% Capital Gains
Looking at FIRE'ing and living off taxable brokerage investments for quite a while before reaching the age to be able to withdraw from retirement accounts. I believe I can get down to a MAGI under 200% of FPL to maximize ACA benefits (both higher premium tax credits and cost reductions that bring down the max OOP/deductibles/copays). However, keeping the income low to do this would mean NOT taking full advantage of the 0% Capital gains bracket. It would also mean NOT taking advantage of the opportunity to do Roth conversions while in lower federal income tax brackets. Right now I'm expecting to be in the 22% tax bracket once I start taking RMD's. Has anyone done or seen any analysis on comparing these options that you could point me to? Thank you!
Posted Nov 5, 2025, 11:52 PM UTC