I've read a ton of posts, and the more I read, the more confused I get. Trying to wrap my head around a 401K withdrawal strategy. My wife and I plan to retire in '16; we'll each have a pension. I need to determine the best SS strategy, coupled with 401K withdrawals (Roth conversion?) to minimize taxes and avoid RMD problems down the road. I'm 62; she's 59. Can anyone point me in the right direction; rule-of-thumb, thread, calculator? Thanks in advance!