Thanks, Alan. That helps. I am well over 60 and retired, so no new IRA. And will plan on putting the remainder into my Roth, a move that I have been doing for the last three years, albeit at a slower pace. In one of the IRAs I withdrew 35k+15k = 50,000 on the same date, that should work as a “single withdrawal” I suppose? That would be the largest amount, and then on the remaining 110,000 I will pay tax (from different funds) and roll the 110k to the Roth.