distributions at 54 to help manage tax liability at 70 1/2 when you have to start taking your RMD by law. Most people don't know details of RMDs and end up paying more taxes and some end up paying more tax on their SS benefits as well.
Current tax liability is 0 as I live off savings. All my distributions are reinvested after taxes and will only have capital gains tax on earnings vs income tax at later date. It's something you might look at with a CPA??