OK, then I think I’d probably only get hit with short- or long-term capital gains if I close my IRA. It is funded with 100% non-deductible contributions.
I plan to keep the 401(k) as that is way too big and will make me one of those ‘private jet flying’ rich people O’Bumma always talks about.
After retirement, you may want to convert the 401k to another brokerage IRA so that you can have a wider variety of investment options.