The retirement tax gap window is the period between when you stop working and when required minimum distributions (RMDs) begin at age 73 (or 75 if you were born in 1960 or later). During these years, your taxable income may be at its lowest because paychecks have stopped, Social Security may be delayed, and RMDs haven’t started. This provides a method to manage taxes proactively through Roth conversions, capital gains harvesting, and strategic withdrawal sequencing.
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