http://www.irs.gov/uac/Publication-575,-Pension-and-Annuity-Income-2
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Are Roth IRA distributions taxable? http://www.irs.gov/publications/p590/ch02.html#en_US_2011_publink1000231057 tl;dr keep money in until you are 59.5, and at least 5 years.
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Moving amounts into a Roth IRA http://www.irs.gov/publications/p590/ch02.html#en_US_2011_publink1000231029
- same trustee is ok (vanguard traditional -> vanguard roth)
- Rollover From Employer's Plan Into a Roth IRA
- 401k ok
- Should I rollover a 401k into a Roth IRA?
- liability protection http://www.nytimes.com/2009/04/02/business/retirementspecial/02CREDIT.html?ref=retirement
input:
- current age
- income
- tax brackets
output: at 59.5 annual distributions
inflation adjustment (show everything in present day dollars) does inflation compound? compare with numbers in the 80s