You can accept distributions from your IRA (including your SEP-IRA or SIMPLE-IRA) at any time. There is no need to show difficulties in accepting a distribution. Every traditional IRA that you convert to a Roth IRA has its own five-year retention period to avoid an early withdrawal penalty. While the withdrawal rules of a traditional IRA allow you to delay the first required minimum distribution of your IRA until April 1 of the following year, you may want to make your first distribution the first year you are eligible.
To help you make an informed decision, it is recommended that you research Gold IRA Review Sites for more information. So how much do you need to withdraw from your IRA? The minimum withdrawal rules for an IRA are based on life expectancy. If you convert a traditional IRA to a Roth IRA, you must pay taxes for the conversion, but you'll never have to worry about paying taxes on that IRA again for eligible retirees, even if future tax rates are higher.