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I'm starting to manage my elderly mother's funds. She has a taxable account with TD Ameritrade, an annuity with Tiaa-Cref, and a traditional IRA with Tiaa-Cref.

I want to move her Tiaa-Cref IRA to TD Ameritrade. I could do a rollover, which is becoming a real PIA for the past week due to Tiaa-Cref making it very difficult. Or I could withdraw all the funds left in her IRA and put it in her taxable account.

According to my calculations, whether I take out a small distribution or the whole account, the tax rate is 25%. Up to now we were simply taking out what she needed in order to avoid tax for that current year.

My question is, why not take it all out at once since the tax rate is the same? It doesn't put her into the next tax bracket.

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