Roth IRAs are often treated as a last-resort bucket in retirement, but that is not always optimal. Strategic Roth withdrawals can help manage tax brackets and reduce future required minimum distributions.
We coordinate Roth spending with Social Security, pension income, and taxable account draws to keep your effective tax rate as low as possible over the full retirement horizon.
Every plan is different, but the principle is the same: Roth money is a tool, not a trophy you should never touch.