I have been running different scenarios with the various taxable and tax deferred accounts I have and realize that at some point I will be pulling from the deferred accounts and obviously will have to pay taxes. In order to minimize that tax I am trying to figure out the best method for it. Do I just simply pull out what I will need each year or should I gradually be putting a small amount of money into a taxable account for a number of years preceding when I will need it? I am married and will file joint so what do you guys think is the best way to handle this one? I hope what I am asking makes sense! Sometimes I can even confuse myself.