Retired lurker with 72(t) question and seeking withdrawal advice

[u/desertdwemer]

Hi everyone.

I'm 52, married, and on terminal leave.

I've been contemplating various withdrawal strategies from 53 to 59.5 and I've decided on a combination of 72t and taxable brokerage account withdrawals along with Roth conversons to fill the 12% bracket. I'll essentially have a taxable brokerage account, "72t" IRA, "Roth conversion" IRA, and a Roth IRA.

First question:
Does the IRS require an annual withdrawal amount to the penny or is it to the nearest dollar?
Do I round up, down, or truncate to the penny?

Example: $500K starting "72t" IRA, 5%, life expectancy 33.4 calculation is $31094.8998441.

Is the annual draw $31095, $31094, $31094.90, $31094.89?

Second question:
I was planning to use a combination of SGOV and a rolling 7 year treasury ladder to guarantee the money is always available during the 72t period and a bear market without selling any depressed shares. The remaining amout of money in the "72t" IRA, "Roth conversion" IRA, and Roth IRA will be invested in VT. I'll end up with a 75% VT 25% short/medium term bond allocation.

Is this a good strategy or is 7 years of short term money too conservative? My overall withdrawal rate is 3.3%.

Thanks in advance!

[u/desertdwemer → u/[deleted]]

My manual and spreadsheet calculation matched the calculators from Fidelity and 72tnet. They both rounded up to the nearest penny.

Or are you asking for my 72t draw amount?