Originally Posted by
Nightflyer
I think if I do it now, I will get stuck with higher taxes. Perhaps I can wait until the tax year after I retire when my bracket should be lower.
This is a common misnomer that used to apply years ago. Now days if you retire with a retirement plan like we have, your tax bracket will either be the same or maybe 1-2% lower. There is no reason to wait for tax savings down the road. They won't be there.