So much depends on what percent of your assets are in the stock market — and your future plans. Do you expect to spend all of this money in your lifetime? If so then sell at least half now. It is NOT too late. But if you are planning for your children to inherit this stock, there are some tax considerations. Selling stock held for a long time would create capital gains taxes. Added to other income it could impact your Medicare premiums. If you die owning stocks with gains, your heirs will pay no taxes.
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