Also called: withdrawal sequencing, decumulation order
The sequence in which RetIQ draws on your account types to cover spending. The default is cash, then HSA, then brokerage, then pre-tax, then Roth. RMDs are always taken first regardless.
The order affects taxes every year: brokerage withdrawals realize capital gains, pre-tax withdrawals are ordinary income, and Roth withdrawals are tax-free and do not raise MAGI.
You can reorder the buckets in Decide → Withdrawals and set different orders for different age ranges with a Phase Schedule.