Retirement tax questions

I would recommend that you seek guidance from a fee only financial adviser that is a fiduciary (puts your interests first).  There are a lot of so called financial advisers out their that work on commissions and may put their interests before yours.  A good place to start you search is <a rel="nofollow" target="_blank" href="https://www.napfa.org/">https://www.napfa.org/</a>