If I understand your question correctly, the answer is yes. See Managing Taxes in Retirement using the Marginal Tax Rate for some details....it would be interesting to see if chipping at the tIRA every year beats the tax deferral.
You'll usually want to keep your target marginal tax rate roughly constant from year to year (e.g., see level out your taxable income), although there might be some advantage to go a little higher in your first few years to take advantage of the "Traditional plus taxable" vs. Roth effect over time.
A more or less random set of annual marginal rate targets, such as the ones in this post in When should I convert to Roth, if at all?, might be correct - but then again they might not be. One should be very reluctant to use such a strategy unless having a firm grip on "why" that would be best.
Statistics: Posted by FiveK — Sat Oct 26, 2024 3:25 am