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I plan on retiring probably in August of this year at 62 1/2. I'm confident that I will have enough assets to be comfortable and enjoy the rest of my life but am naive as to what is my best avenue to avoid unnecessary taxes.

I have a traditional IRA, a Roth (not 5 years old yet), two brokerage accounts (all long term assets) and cash on hand to last into 2015 when I will have to begin liquidating some of my investments.

I'm assuming that I will be in a lower tax bracket in 2015 since my only source of income would be Social Security (I guess that is a question) so would I be better off dipping into my IRA or pay long term capital gains from my brokerage account.

I certainly appreciate the boards input and any additional advice you can offer this rookie.


PS I'm not an annuity type of guy.
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