I'm 55 with $2.5 million in Apple stock that I bought 30 years ago and now it's all capital gains - can I use these funds for the first 5 years of my retirement?

"Capital gains taxes can be a huge obstacle for retirees. The challenge arises when selling appreciated assets like stocks, which significantly increases Modified Adjusted Gross Income (MAGI) and taxes."

"To mitigate the tax impact, individuals can spread out gains to manage their tax burden, utilize charitable giving strategies, and engage in tax-advantaged account activities, like IRA withdrawals or Roth conversions."

Read at 24/7 Wall St.