i have all the above retirement accounts. even the 401k has some funds already taxed. When i take a retirement distribution - can i selectively withdraw from 1 specific account ?- The ROTH is tax free, the Traditional IRA will be fully taxed, the Taxable IRA is only taxed on the gains and the 401k has some cost basis as i added some post tax distributions. how do have to make withdrawals.? I heard i have to consider all the IRAs together and withdraw proportionally pre-tax as capital gains, and after tax is not taxed - then adjust my new cost basis. does anyone have some instructions on this ?.. how does this effect 401k distributions - are they considered separately? thx
