One technique for moving money from one IRA to another, and possibly use that money in the meantime, is to do a “60 day rollover”. This is very common, and can be done once per year per individual IRA account.
Starting in 2015, you can only perform this 60 day rollover once per year for all your IRAs, regardless of how many you have.
What does this mean? IRA transfers, which I usually recommend for clients, is the way to move money from trustee to trustee.