dmertz
Level 15

Get your taxes done using TurboTax

If you expect your marginal tax rate in the future to be less than 22%, it would likely be sensible to avoid taking the traditional IRA distribution now and instead sell the long-term capital investment.  In the future when your marginal tax rate is lower you can do Roth conversions (after satisfying any RMDs from your traditional IRAs) which will move the funds to investments where gains will be tax-free once you have met the requirements for qualified distributions from your Roth IRAs.   This will also reduce your traditional IRA balance, reducing future RMDs.

View solution in original post