dmertz
Level 15

Retirement tax questions

fanfare's suggestion may be the most practical.  However, I would take the RMD in-kind, then convert the remainder of the traditional IRA to Roth.  The appreciation in the stock from the RMD now held in a nonqualified brokerage account would eventually be taxed at capital gains rates instead of as ordinary income from the IRA (or would receive a step-up in basis at your death), while the portion converted to Roth would eventually be entirely tax free once the 5-year Roth qualification period is met (and it may already be met if you have another Roth IRA).