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CD's laddered might be the answer. Think I'll study that tomorrow. I converted all of my stock from the SEP-IRA to my Roth just about a month ago. (Wanted to do it prior to stock really taking off in the next 5 years, and also did not want to sell any of the stock for RMD.) Cash will be king in the IRA from now on. Roth and brokerage will be investment vehicles. Easier to withdraw cash for RMD than to sell stocks, especially since most of the stocks are fairly good dividend producers.

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