Retirement tax questions

Hi Rick,

I hope that you are doing great and enjoying a fine "cool-er summer"

Let me clarify your question:

1. You have a: 
   1. Traditional IRA
   2. Roth IRA
2. Withdrawals from a traditional IRA are age dependent, by that I mean distributions are required at age 72
   1. These are termed Required Minimum Distributions (RMD) 
      
      1. RMD's are based on using one of three Lifetime tables (based on marital status or inheritance)
3. Withdrawals from a Roth IRA are flexible and can enhance your your cash flow needs
   1. There is no RMD
   2. Withdrawals are nontaxable

In short, your tax position, provided your cash requirements are met, will determine the amount of money that you withdraw from your Roth accounts, tax exempt investments etc

Honestly, I suggest that you speak with one of our Mint or TurboTax professionals to hone the details.

All the best!