Factors for this are they are passive and notes are typically considered ordinary income so better tax advantageWhen buying property you have to be careful of leverage and UBIT as well as you lose the tax benefits associated with it as well since it’s already tax deferred.

Or, if your investment holdings are in a Roth IRA, your investment gains accumulate tax-free, and you can withdraw it tax-free.You still must wait until you reach age 59½ to withdraw your funds, or else you will be subject to an early withdrawal penalty, and the withdrawal will be included as ordinary income on your tax return.

The analysis gets more complicated, because some of the capital gains will be depreciation recapture that could be at or close to your ordinary rate anyway.

Yes... it is a cost related to your business and one that is ordinary. 

Early distribution would be subject to penalties plus you have to pay ordinary income tax - not a wise financial move!

Consulting earns ordinary active self-employment income. 

U can definitely do it in smaller chunks....it taxes at ordinary income so strongly advise U do it in chunks to keep yourself in lower tax Brackets.the only offset I know is to wait until you have less W2 income so it is taxed at lower rate.

In his opinion, my wife can draw salary and pay tax on it as a general partner (depending on how much we decide) and then rest will be distributed to both of us (don't know in which term) and will count towards our ordinary income, saving 15% in FICA/SS tax.

However, with the house being 3 BR, it would be outside of her price range.

Are my requests entirely out of the ordinary?