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I can't help you with the nitty gritty of exactly what you must withdraw, but I am under the impression that its a fixed percentage per year. If that percentage would bump you into a high bracket, then you might want to start takling distributions now, provided you can pull the money out at a lower tax rate.

As far as the number of accounts goes, you might want to think about consolidating the accounts. I can't imagine keeping track of all that stuff! When you have to start taking distributions, the IRS views all those accounts as one lump sum, so as long as you take out the mandatory minimum, the IRS doesn't care which account(s) the money comes from.

You can, of course, go to a financial planner. However, this stuff really isn't that complex and if you take the time to understand it you will save yourself the advisor's fees and you won't have to depend on someone else's judgement calls.
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