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Hi hohocake!

What you're looking for here is really financial planning/tax advice....something most II Fools are not expert in ( I stand to be corrected, of course ) ;-)

Might I suggest you ask your question on the boards below, where some pretty tax savvy investors reside?:

Sorry I can't be of more help, but no matter what answers you get right now, remember that the folks in Congress are contemplating all sorts of changes in the next few years to try and get our finances on a more sound keep your ear close to the ground. ;-)

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