I would recommend spending a few bucks and speak with a financial advisor or wealth advisor to come up with a plan (whether you use them or not - you can often speak with them on an hourly basis - your bank may offer a financial advisor(of course they are going to try to sell you a service)). Certainly a lot of that would depend on your investments and holdings; in MOST cases they WILL NOT take into account non-liquid assets when planning.

They can assist you with putting everything on paper, weighing your investment options (if you have any), rolling from a 401K to IRA (depending on your annual income), RMDs, short/long-term gains...etc.


"The struggle you're in today, is developing the strength you need for tomorrow."