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I'll be 59.5 in March and would like to start depleting my IRA.

The reason: The IRA gets taxed at normal income tax rates, not the 20% capital gains rates. I'd rather have money growing in a normal account whose gains could
be taxed at 20% Are there any restrictions on how I take it out, assuming I take it all out by age 70.5?


None.

You do not have to take it all out by 70.5 but at 70.5 you have to take out some.

This is also a good idea because your taxable account will get a step up in basis at death and the IRA will not.
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