Hi Click,
Thanks for patience, I finally understand the rules. Because of being over 59 1/2, having a Roth account for over 5 years, the "five-year-forever" covers the distributions. Sorry for being so stubborn. This is a very favorable situation, hard to believe. And, advisors themselves either do not understand it fully, or do not want to tell it explicitly. So, happy trading, and hopefully growing.
I am grateful,
Zoltan
