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Mike...it's nearly impossible to advise you based on the limited information I have. Your personal strategy will depend on the amount of income you need, the available income sources and the balance of your retirement account. There are multiple scenarios that could make sense: 1) Delay SS and take income from traditional balance. This way your SS would increase and when you filed you could supplement with the Roth balance. This benefit of a strategy such as this is that your Roth distributions are not counted for purposes of Social Security taxation (traditional distributions are). It could be that you would be able to take your entire SS check without taxes. 2) File for SS now and supplement with traditional balances. This way your Roth balances should increase. Any increase to a tax free vehicle will increase the total tax-free distributions. The combinations are endless. If you'd like some help, I've available for an hourly consult.