NY State Retirees with 403b and public pensions
NY residents are exempt from State Income Tax on public pensions and 403b's (teachers, civil servants, etc).
How do we remove the state income tax ESP automatically calculates (and which then impacts std of living)?
We've "forced" it by changing state of residence to NH (with 0 state income tax) but that then would also impact any NY State income tax that might be due on other than pension/403b income.
Note: it's also not possible, at least as far I can find, to change the state of residence initially entered without adding a "second state".
Hopefully, I'm missing the obvious and it's only been a couple days but so far, impressed with ESP overall.
The NY Income tax issue is not a "minor" one as it affects thousands of NY residents.
One small additional question.
When comparing the results of MMSS (which recommends Spouse 1 filing at S2 FRA in order for S2 to collect spousal and defer to 70), with ESP which suggests both deferring until 70 (based on maximized joint living standard).
Is this to be expected and simply the "choice" one must make?
TIA for your continued help/advice.