DW has RMDs we schedule for automatic distribution from Vanguard account. Chose a date in April because of the 'sell in May' mentality. Lol. The date can be changed at any time, if I think it's necessary. We also take a small amount out of taxable accounts in January or February. We don't collect dividends in a separate account, but let everything reinvest. We sell shares of whatever is doing the best at the time, whether it is an equity or fixed income. We also have a large cash holding in SV accounts at the moment, which I can draw from if stocks and bonds simultaneously crash.
This year, there was a big sell off first of January, so I waited until indexes rose again in February to withdraw from the taxable account. Probably wasn't a big deal, but...
Call it market timing if you wish.
"Growing old is no excuse for growing up."