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mvsopen wrote:

(By law, they all must be exhausted before age 72).

If your financial advisor is telling you this, you need a new advisor. At least for traditional IRA's and 401K's you don't even have to make a withdrawal until age 70 1/2.

As to whether to pay tax now or later, there is a possibility you could be in a higher tax bracket in retirement. I still prefer the greater growth from compounding tax deferred. Also consider that if you become truly wealthy you could leave the IRA's to charity and completely cheat the taxman.

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