Not always. Roth money is valuable because qualified withdrawals are tax-free, and Roth IRAs have no required minimum distributions during the original owner’s lifetime.
However, the best retirement withdrawal strategy depends on your overall tax situation, legacy goals, and income needs each year. Sometimes, taking a small Roth withdrawal can help you avoid moving into a higher tax bracket or crossing a Medicare IRMAA threshold.
If this is your first time with me, I’m Elizabeth.
• I help women navigate taking over the finances after widowed, divorce or illness
• I help people comfortably retire 10 years early
• We provide sustainable, predictable income in retirement
• $200 million and thousands trust us with their retirement planning (as of 8/1/2026)
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