It's a small world. Not too long after my last reply, I came
across this in the Ken Fisher archive. (It's now soundly
ensconced in my 'tidbits' file.)

"The key is to posture your
retirement money so it isn't generating income, but
capital gains and then take your withdrawls out of
principle rather than income, and do it one stock....

Did you read mine, and the other replies in this thread, that advocated this? Doesn't hurt to repeat it, however, maybe we'll creat another convert. The really relaxed way to go is to put it all into Tax Managed Index funds and spend your increasing capital without worrying about which stock to sell, but if you already have some individuals at a loss, all the better. Ed