Subject: Re: 401k
I'm in a similar situation, though somewhat complicated having retired in Europe.

The main thing that stands out to me is that you may want to consider doing
annual Roth conversions. I've been doing this for the past 3 years and will
likely continue at least until age 70 when I'll begin receiving social security
benefits.

At a minimum, you will probably want to "fill up" your 10% and 12% brackets
each year until you start collecting your social security benefits (and maybe
even beyond).

This is a topic that a good financial planner (a fiduciary, of course) should
be able to provide good value in assisting your retirement planning.

-Rubic