Subject: Take Early Non-Roth distributions?
A good friend sent me this initial advice from his advisor:

“My financial advisor told me recently that once you hit 60yo, you may want to start taking small distributions out of IRA each year because the value has grown to a significant size that if you wait to withdraw at 75yo, when we trigger RMDs, the amount you’d be taking out every year would be very large and place one in a higher tax bracket with many non-optimal consequences. High Fed/state taxes, IRMAA tax, and taxes on social security benefits. Advisor said managing that IRA account can be important. Some Roth conversions may help, but not be the complete answer.”

Any thoughts on this advice and commentary, as we will pass the >59 1/2yo age requirement later this year. We’ve been mainly funding our everyday life expenses by selling equities from brokerage accounts & having long-term capital gains. Hoping to stay at the <=24% tax bracket as a married couple filing together. Many Thanks for any thoughts & commentary & realize a fee-only advisor session may be money well spent.