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Subject:  Re: Retirement Account Allocation Date:  11/21/2003  10:27 PM
Author:  pauleckler Number:  37950 of 78166

The real question comes down to, do you need income from these accounts to support your retirement, or is this just extra funds.

At age 60, you can remove funds from your T-IRA any time you like without paying penalties. The question then comes, when do you want to pay taxes on them. At age 70-1/2 you will be forced to take distributions. So then you will have to pay.

I do not agree with your flat 30% tax statement. If you convert a 750K T-IRA to a Roth, I would be surprised if your