bailey7094 asks,

As is the case with plenty of complex issues, there is not a simple solution. The usual "it depends" applys. Does anyone know of some free or cheep software that addresses this? All of the financial planning software I have found just automatically wait until "haf tu" at age 71.5 to start the draw from tax-deferred acounts unless necessary to meet a need.

You might look at the IRA Withdrawal Calculator and Roth Analyzer at the Retire Early Home Page. See link:

http://www.geocities.com/WallStreet/8257/softlist.html

Using this Excel spreadsheet, I came to much the same conclusion as TMPixy. It made more sense to withdraw from my IRA first and let my 100% stock, LTB&H taxable account continue to grow intact.

intercst