401K or IRA distribution 不交州税的州 和 Social Security 收入不交税的州如下：
Retirement distributions from 401(k) plans or IRAs are considered income for tax purposes. Fortunately, there are some states that don't charge taxes on retirement income of any kind: Alaska, Florida, Nevada, South Dakota, Tennessee, Texas, Washington, Wyoming.
The remaining 32 out of those 37 states, plus the District of Columbia, implement various credits or exemptions to help taxpayers avoid state-level Social Security taxes. These states are: Alabama Arizona Arkansas California Colorado: Previously, Colorado worked around straight up taxing Social Security by allowing $24,000 of Social Security income to be deducted from state taxes. As of 2023, Colorado no longer taxes Social Security benefits. Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi New Jersey New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania South Carolina Virginia West Virginia Wisconsin Washington, D.C.
If you live in any of these states — or the District of Columbia — you won't have to worry about paying state taxes on your Social Security income.
RMD 无法避免，但是是否可以拿一部分钱再重新放到新的 IRA 账户？
需要你工作的收入，就是交社保税的收入
IRA 从未缴纳过任何税款。(deferred tax liability until withdrawal)。 当其转换为 ROTH 时，转换的金额将成为进行转换当年的收入，作为普通收入缴纳所得税（州和联邦).
这是你想要的吗？
提取的必须要交税。没办法避免，你如果现在税低，那就在提完RMD后再转些入Roth。
一次付清的税率可能非常高，可能是 top bracket 超过 35%？ 我怀疑这是他想要的。
Retirement distributions from 401(k) plans or IRAs are considered income for tax purposes. Fortunately, there are some states that don't charge taxes on retirement income of any kind:
Alaska,
Florida,
Nevada,
South Dakota,
Tennessee,
Texas,
Washington,
Wyoming.
The remaining 32 out of those 37 states, plus the District of Columbia, implement various credits or exemptions to help taxpayers avoid state-level Social Security taxes. These states are:
Alabama
Arizona
Arkansas
California
Colorado: Previously, Colorado worked around straight up taxing Social Security by allowing $24,000 of Social Security income to be deducted from state taxes. As of 2023, Colorado no longer taxes Social Security benefits.
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
New Jersey
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
South Carolina
Virginia
West Virginia
Wisconsin
Washington, D.C.
If you live in any of these states — or the District of Columbia — you won't have to worry about paying state taxes on your Social Security income.
你如果只有ssn,就没必要转，你如果除了ssn这有其他收入，以后不计划移到免税州，而且你的税率不会低于现在，那就每年转一些，rmd和转入Roth 都要当年交税，好处是Roth以后收益 就不用交税了，但你一定期限内不能提取，你必须先提足rmd,转入brokerage account,然后才允许convert 你的税前ira 到Roth ira
比如我去年收入高，多存一点到ira。今年收入低了。可以从ira 转roth ira. 通过ira 来平滑我的收入，进而尽力少交税。