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6 Provisional income \$47,000 Less 50% taxation threshold (32,000) Excess of provisional income over 50% threshold \$15,000 For the first-tier calculation, the taxable portion of your benefits is the lesser of: 50% of the excess (\$15,000 x 50%) \$7,500 or 50% of Social Security benefits (\$14,000 x 50%) 7,000 Taxable portion of benefits from first-tier calculation \$7,000 The taxable portion of benefits from the first-tier calculation (\$7,000) carries over into the calculation for the second tier to compute the total portion of your benefits subject to taxation. You should also know that qualified distributions from a Roth IRA do not count toward provisional income. Converting traditional IRA balances to a Roth IRA would increase provisional income in the year of conversion but may reduce provisional income in subsequent years. Step 3: Second-tier calculation 85% threshold The second tier of the formula applies to provisional income exceeding \$44,000 (\$34,000 for unmarried individuals). Because your provisional income also exceeds the \$44,000 threshold, the excess (\$3,000) is subject to the 85% taxation threshold. Provisional income \$47,000 Less 85% taxation threshold (44,000) Excess of provisional income over 85% threshold \$3,000 Step 4: Compute the total taxable portion of benefits The total portion of your benefits subject to taxation is the lesser of: 85% of Social Security benefits (\$14,000 x 85%) \$11,900 or The sum of: The lesser of \$6,000 (\$4,500 if single) or the taxable portion of benefits under first-tier calculation (\$7,000 from Step 2) and \$6,000 85% of excess (\$3,000 x 85%) 2,550 Total taxable portion of benefits \$8,550 In this example, although more than 50% of your Social Security benefits is taxable, your total taxable income places you in the 10% bracket after the standard deduction and personal exemptions. This is largely because your investment portfolio includes a heavy weighting of municipal bonds that produce tax-free income not counted 6 of 7

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