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But a taxable account can be managed to produce very few taxes, and, in general, taxable accounts have a lot more flexibility than retirement accounts.


Most likely would be to distribute the remaining After-Tax next year. Two goals: to lower RMDs when they start and to move as much as possible of the after-tax funds into a ROTH.

Once the after tax has been handled, I can look at what to do about the 401K. I've retired so there are no restrictions on distributions. It isn't the best of plans.

The decision on how much to add to taxable income has been made for this year and that request has been made. The 401K administrator is slow on processing those requests. I was burnt the first year by waiting until mid-December to request the conversion.

Also, tied into this is when I start Social Security. So many interrelated decisions to be made.
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