Annuity Planning · Tool 19 of 12
Multi-Year Tax Coordination
Sequence annuity income with Roth conversions, SS claiming, and RMDs across a 10-year window. Surfaces where the household's marginal rate moves, where IRMAA tiers crossover, and where the bracket valleys are.
Headline
Cumulative federal tax
$123,352
Max IRMAA tier
Tier 0
Highest marginal
22.0%
Ordinary income by year
626771
Ordinary income
Marginal rate × 1M (scale)
Roth conversions stack into the ordinary line during conversion years. Annuity income joins at the start age. SS adds 85% to ordinary at claim age. RMDs kick in at 75.
Year-by-year
| Age | Roth conv. | Annuity | SS | RMD | Ord. | Rate | IRMAA |
|---|---|---|---|---|---|---|---|
| 62 | $50,000 | — | — | — | $80,000 | 12.0% | 0 |
| 63 | $50,000 | — | — | — | $80,000 | 12.0% | 0 |
| 64 | $50,000 | — | — | — | $80,000 | 12.0% | 0 |
| 65 | $50,000 | — | — | — | $80,000 | 12.0% | 0 |
| 66 | $50,000 | — | — | — | $80,000 | 12.0% | 0 |
| 67 | $50,000 | — | — | — | $80,000 | 12.0% | 0 |
| 68 | $50,000 | — | — | — | $80,000 | 12.0% | 0 |
| 69 | $50,000 | — | — | — | $80,000 | 12.0% | 0 |
| 70 | — | $35,000 | $48,000 | — | $105,800 | 22.0% | 0 |
| 71 | — | $35,000 | $48,000 | — | $105,800 | 22.0% | 0 |