Ed,EdMP wrote:My Vanguard advisor stressed the importance of having bonds (dividend yielding investments) in my IRA's and stocks (ie. Vanguard Total Stock Market e.g.) in my taxable accounts to take advantage of the lower capital gains taxes. To consolidate my holdings the recommendation was to switch many but not all funds in the IRA to more weighted Vanguard TBM and switch a portion of my bond funds in my taxable account towards Vanguard TSM. Of course the overall allocation will still be 60:40 or perhaps even 55:45 (I haven't decided yet about my risk tolerance)
EdMP wrote:What I've been told and understand is that I would first draw down from my taxable retirement funds and then from all the IRA accounts. I can do the former for probably 8 or 9 years before having to touch my IRA funds (withdrawals will be mandated per IRS) and was planning to use Lucia's "bucket" model as a guide.
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