We’re gathering your questions about all things money and finances. Then, each week, we get your questions answered by the people who know best.

We got this question from Nancy in Orland Park:

“I am in my 80s and have cash in my trust, traditional and Roth IRAs. Which would be more prudent to use for everyday living?”

Andy Timmerwilke, managing director and financial adviser at Merrill Lynch Wealth Management, said it would depend on the value of each account.

He said an adviser would want to start with looking at accounts with required minimum distributions, which for a traditional IRA generally starts when you reach the age of 73.

“Depending on the value of that distribution, if that’s enough to live off of on an annual basis historically most people would stop any [other] types of

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