NCPerson's suggestion to stretch the distributions out over as many of the 10 available years does not take into account the tax increase scheduled to happen in 2026. Taking that into account is why I suggested that it might be best to take it out over 4 years beginning in 2022.
The numbers that you posted for state tax liability don't seem to make sense unless there is something odd about NY state and local taxes that I'm not taking into account. The numbers show the marginal tax rate varying between 4.8% and 8.5% which seems implausible.
The marginal federal tax rates also seem to jump around in ways that might be suggesting that there is some side effect based on the change in AGI such as in increase in the tax rate on some income (maybe long-term capital gains, but that seems unlikely in your financial situation, or net investment tax as Opus 17 suggested), a decrease in some tax credit, or just an error in the numbers you provided.
