Convert to a Roth. There are no minimum distribution requirements for Roth IRAs. Workers already paid income taxes on Roth IRA contributions, and the money can be withdrawn as you need it or can be passed on to heirs. "Once you have a Roth, then you don't have to worry about distributions," says Hutmacher. Having both Roth and traditional retirement accounts can add tax diversification and flexibility to your retirement draw-down strategy.