As I approach 60yo and with a history of recent retirement (2022), I’ve started to trim some equities in our taxable/ brokerage accounts (which are ~9 times the size of our combined Roth & Rollover IRAs) to convert to a Treasury only MM which will fund our family needs and lifestyle.

As I recall, you can draw down from a long term Roth IRA as early as age 59.5. I am leaning toward not taking SS until at least age 67 and delaying the mandated Rollover IRA distributions until forced to do so (?72yo).

Is this how others here would approach the next decade given our situation, assuming the brokerage account holdings (and LTCG tax hit) can comfortably cover the family expenses & just let the IRAs continue to compound tax free (or delayed) as long as possible? (We also have no pension, no non-investment income, no annuity, no deferred comp in our situation, & will likely receive a meaningful inheritance over the next 3-5 years). Thanks!

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