What you're missing is, assuming he doesn't need the cash, Thanks for the prompt reply Phil. Unfortunately he does need the cash to live on but I will be talking with him later today. However, you make a good point Phil ... as usual. Maybe a blend of both TIRA withdrawals and a Roth Conversion may be the ticket to provide with him the cash he needs for daily expenses and yet provide him with some tax savings. Thanks again Phil.RichArizona
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