The first and easiest use of tax-efficient Roth accounts is to indicate to the program whether you want to withdraw from the Roth first or last in the order of withdrawals. Typically it's best to allow your tax-efficient Roth to grow and use it last after the non-Roth retirement accounts have been used. But you can change the order of withdrawals in the Assumptions and Settings area to test this view.

See our FAQ on how to model a Roth conversion for detail on another way the program helps you use Roth accounts.