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70 year old from Houston, TX
Unfortunately, we at NewRetirement cannot answer this question to the degree of detail you require without providing financial advice, which we are not allowed to do. In this case, given the detail to which you are attempting to plan your finances, we strongly recommend speaking to a professional financial adviser, who can better sort out your finances and tax strategies for retirement.
You can speak to a financial adviser or find out more about them here:
**All above answers are provided as general information only. No warranty is made regarding the fitness or accuracy of the information provided in this answer. You should seek advice from a licensed CPA, attorney or CERTIFIED FINANCIAL PLANNER™ as to your unique financial situation.