Replies to post #54510 on Sharing Knowledge in Smallcaps

[BullNBear52]

I reduced the stock amount by 20% to something more manageable when I moved the 401K 2 weeks ago. I start RMDs this year which once affect us tax wise. But I need to start reducing the wife's IRA now and converting it to Roths since she still has 6 years before RMDs kick in. I'm thinking $40K a year and that will help but I should have changed her 401K to a Roth. a couple of years ago.