Thanks for the reply. I think I may have misled you. I have 550K in that account but another $1mm in IRA rollovers and a 401K account. I would not want to take the money from those as it would all be ordinary income to me. (less basis, of course).

The taxable ac will have basis.

The IRA rollover ac may or may not have basis
The 401k ac will most likely not have basis i.e. the entire account gets taxed as income
Why do you think "less basis, of course" factors in?