IP my experience says the Standard Advice is generated by folks in the financial services industry - they want to leave all that untaxed money in the account so they can manage it and extract their percentage each year. For a first cut plan, I assume that our portfolio will increases at whatever rate inflation is or more. Since tax brackets and other things are generally keyed there also - my assumption makes for a simple determination of whether I want to take sheltered or non-sheltered funds between now and the time all our IRA accounts are subject to RMDs.Next I go the the IRS and find the divisor for age 70 is 27.4. So I divide our current IRA value by 27.4 and contemplate what that amount of additional income each year will mean. More taxes is one things, but getting drastically more funds that we will spend or being pushed into a higher tax bracket is another.We found the funds we will be forced to withdraw will result in significantly more income than we expect to need. So our solution is to withdraw funds from the IRAs rather than from the non-sheltered accounts. I don't think the beneficiaries of our estate will care if they get money from an IRA or from a traditional investment account.
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