Retirement tax questions

@fanfare  thanks for the info.  I really don't know what will be left. :(  As a first step the custodian wants to pull the funds and reinvest in a mutual fund.  Will pulling the funds from Roth IRA be considered a withdrawal? Should I open up a traditional IRA to put it into?  I neglected to mention in my original post is that my wife and I are 68, my wife is still working and I am retired.  Does that affect how things are handled?