What you say makes sense... I guess even with a Foolish Four portfolio after liquidation, dividends alone assuming even only 2% would put us into the 28% bracket... but let me ask you a followup question if I may:Because of our stock situation, the $3 mil at the time of retirement will almost entirely be long-term capital gain (my wife is in the high-tech biz and this all comes from stock options.) Thus the current plan is to liquidate the stock (all in one or two companies) and then diversify into something like a Dow dividend approach for the long-haul. Now, if the stock at liquidation is worth $3mil, I'm talking about $600,000 in capital gains tax due to our tax bracket. Here's my question:If we both quit for arguments sake on January 1st and sell the stock at the end of the year (so we don't make any interest on the proceeds), would we only be taxed at 10% capital gain if we don't have interest and dividend interest over $42k or so (or whatever the cap is for 15% at the time) and thus save $300,000 in capital gain tax?I think I could be convinced not to work an extra year to save $300,000... :-)Is this correct?Thanks,WazooDA
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