Subject: Re: individual or joint
if you dont NEED to use the money, any Roth will keep compounding tax free as long as you can keep it.

just check ~twice a year how close you may be getting to extra taxes for a lump withdrawal. if the Roth remainder would hit your tax triggers in +1 year, take out a modest amount in the current year. dont forgot early SS income and taxfree Munis also impacts IRMAA.

again, this is important only if you feel you may need to take whatever lump remainder out entirely in a single future year.