Yep. That’s why we did what we did. :)
And the timing advantage was actually huge, Without getting into details, it’s along the lines of “$1,000 in hand today is worth more than $5,000 in a year.”
13% was a small hit. And its impact is really not that great.
I semi-retired at age 64. I quit my job and was hired back as a contractor. I worked less than 20 hours a week and could choose when I wanted to work. I had to flip my 401k to an IRA and probably lost out on about 200k in company stock growth over the next 2 years. I don’t regret it at all.