Frankly, if you don't know enough about something then you should not be making the decision. You should find a fee-only financial planner and just do what he says. (Not a commission planner as he has the conflict of interest that he wants more commissions.)As for "getting killed in taxes", I don't know enough to comment (snide or otherwise...for all I know you're self-employed and having to do both sides of SS plus self-employment tax and maybe some other stuff). But if you have a good accountant he/she should be helping you maximize your deductions and minimize your tax liability. That's the most anyone can (legitimately) do.1poorguy
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