Fender's final approach to retirement.

[fenders53]

The state of the market probably should play a role in your decision when you approach 62. The decision might be easy if AAPL and/or GOOGL have become 30% over or undervalued at that time. It sounds lke you are way up in those stocks, but I am still not selling them at a deep discount just because the market dipped. My first few years of IRA draws are sitting in cash to avoid problems like this the best I can.