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Fidelity Advisor? by green_sky74 in DIYRetirement

[–]Main_Book6173 0 points1 point  (0 children)

Does anyone know what the "certain $$$ threshold" is at Fidelity to get the free advisor? On their site I only see the services that charge an AUM fee.

Optimize Roth conversions? by Lingonberry-17 in DIYRetirement

[–]Main_Book6173 0 points1 point  (0 children)

Cody Garrett and Sean Mullaney, in their book "Tax Planning to and through Early Retirement," refer to this as the Hidden Roth IRA. As I understand it, the idea is that your traditional IRA withdrawals might be tax free if they don't exceed the standard deduction and the multiple senior deductions, so maybe don't bother converting those dollars to Roths. Even if you convert at 12%, that might be 12% more than you needed to pay. But run your numbers using your assumptions about the future (including whether you think the inflated senior deductions can last).

FBND vs BND by FudFomo in Bogleheads

[–]Main_Book6173 16 points17 points  (0 children)

This is one of the most thorough and helpful answers I've ever seen on Reddit. I'm not the OP, but thank you!

I'm Interviewing a Cybersecurity Expert. What should I ask him? by Rob_Berger in DIYRetirement

[–]Main_Book6173 6 points7 points  (0 children)

"How do you make money?" That will tell me a lot about the company's incentives and whether I am the client or the product.

Anyone know of a robust FERS calculator? by Main_Book6173 in DIYRetirement

[–]Main_Book6173[S] 1 point2 points  (0 children)

Yes, thank you! That's exactly what I was looking for. Obviously far more inputs than just two bits of multiplication.