If you live in a state that taxes personal income, and you plan to move to Florida which does not tax personal income, I *HIGHLY* suggest you do whatever it takes to hold off taking *ANY* retirement distribution, to include taking out a mortgage to bridge the gap.
Once you have firmly established your residency in FL, you won't have to pay state taxes on your retirement fund withdrawals.
So is FL where you're looking to move? If so, what state will you be leaving? Being in FL myself, I may be able to help you start the FL residency process before you even get here.
