An ideal financial plan for these advocates would involve having just enough saved in qualified retirement plans such as a 401(k) that required minimum distributions do not push these taxable income amounts above the level of standard deductions, then perhaps have some funds in taxable investment accounts from which taxable long-term gains can be drawn without pushing the tax rate out of the 12 percent level (which keeps the tax rate on long-term capital gains at zero), and then taking other income as distributions from Roth accounts or policy loans from life insurance. One could potentially
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