I'm not familiar with the programs you mention, but one thing that you may be able to take advantage of is converting part of your IRAs to a Roth in years where you have a low tax rate. That happened for me in the years between when I retired and when I had to start taking distributions from my regular IRAs. Nobody can predict when the markets will go up and when they will go down, so I'd just ignore that. But, you do know when you will have to start taking the RMD from your IRAs.
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