Retirement tax questions

I don't understand the question.  You have to take the funds out of the account.  Usually the plan trustee will send you a check or make an electronic deposit to your bank account.

 

In some cases, you might be able to transfer stock or other securities from your IRA to a regular broker account, but you will still pay regular income tax based on the market value of the assets on the day of the transfer.  You're going to pay the tax no matter what.    What you do with the money after that doesn't change the tax you pay on the withdrawal.