Our income sources in retirement will be:
Qualified dividends and interest from taxable and Roth accounts
Pensions (didn’t pay into the pensions ourselves)
Rolling over a 401k to a Roth during the early years (staying in the 12% bracket)
Possibly an annuity
Q1. I know the Roth withdrawals are not considered when calculating whether 50% or 85% of SS will be taxed. What else above will be considered?
Q2. Which of the above incomes will be used to calculate our tax bracket? We want to stay in the 12% bracket or lower.
Thank you so much!