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I have the same problem. Looks like I'll be in the 36% bracket when I have to start withdrawals in ten years. What to do about this depends on your intentions regarding your heirs, if any, and the size of your tax-sheltered and other assets. Here's one consideration:

http://www.caller.com/primetime/stories/1097berg.htm If the individual is planning to leave assets to charity, IRA assets would be an ideal choice. IRA assets left to charity will reduce both income and estate taxes.

http://www.dtonline.com/pfa/payout.htm -- IRA Payout and Beneficiary Issues, Deloitte & Touche --
Private foundations and charities can also be beneficiaries of IRA assets. Only the IRA owner's life expectancy may be used for determining distributions. By operation of law, the account balance will be distributed to the charitable organization. The owner's estate will not be subject to estate taxes on the amount contributed to the charity, and income taxes will not be levied on the retirement account balance.

Chips, planning to leave his IRA to charity rather than let his estate pay both income taxes and estate taxes on it, but willing to reconsider the matter if the estate tax is ever repealed
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