Did you Loss the 30,000 in personal brokerage accounts that aren't in IRA accounts? Did you actually realize the loss by selling stocks? Or did your account just go down on your statement?
Assuming you had sales,
If you have investment sale losses, after you subtract the losses from your gains you can only deduct up to 3,000 per year. So if you have a lot of current gains you can use up the loss. The rest you will have to carryover until it is used up.
But personal account losses won't offset any IRA distributions. IRA accounts are taxed as ordinary income not as investment capital gains.
