Hello, my name is XXXXX XXXXX I'll be happy to offer you some guidance.
You're required to take the minimum distribution otherwise you'll be subject to penalties.
Regarding which method would work best from you really would involve a detailed review of your overall financially situation by an expert.
If I may be of further assistance please ask ans I'll follow-up asap.
Only once you're fully satisfied should you rate my answer so that I'm pd for it.