This is not a question but a posting of information that I found interesting/useful.

Ed Slott first alerted me to this situation years ago but I am now 68 and have failed to take full advantage of “metering out” my tax deferred accounts (roll over IRA) to reduce my over all life time tax liabilities. So far I have only taken out about 20% of my tax deferred accounts and put them into a taxable commercial real estate investment vs a Roth IRA.

If your between 60 and 70 i.e. post the 59 1/5 early withdrawal penalty age and pre the 70 1/2 MRD age this article is for you!

I particularly liked the macro retirement account data and the graphics.

Here is a Brief Summary of the Major Points

• More and more Americans are taking advantage of tax-deferred accounts for their
retirement savings. Tax-deferred savings in 401(k) plans and individual retirement
accounts (IRA) now represent a significant portion of the $27 trillion in total
assets that Americans have saved for retirement.

• In the past, Americans planning for retirement widely assumed that their tax
liability would decrease once they left the workforce. But today many retirees are
surprised to discover how much they must pay in income taxes.

• The old rule of thumb—tap taxable assets before tax-deferred accounts and wait
until age 70½ to begin distributions—may not always be the best choice. Income
may increase at that time, causing taxes to suddenly spike, resulting in the
retirement tax cliff. Other strategies may better diversify income sources, meet
spending needs and manage taxes in retirement.

• Including a Roth IRA or a Roth 401(k) account as part of an individual’s retirement
income strategy may help reduce total taxes paid in retirement, diversify assets
and provide estate planning benefits.

Full 10 Page Article FYI
https://www.jpmorganfunds.com/blobcontent/111/431/1323407059259_RI-TAXCLIFF.pdf