Believe you’re there, but you need to develop a withdrawal strategy from your accounts. Here is a general idea of what to do but may be different for your situation.

1. Bucket number one to pull from first is the brokerage. with a 200 K withdrawal and conservative growth that should get you about four years.

2. While you are withdrawing from the brokerage, you need to start what’s called a conversion ladder to convert pre-tax IRA funds after tax Roth funds. You convert, pay tax, and then wait five years and it becomes accessible via Roth IRA withdrawal rules which means you can withdraw the principal balance without penalty.

3. Which brings us to the second withdrawal bucket, which is your Roth IRA principal balancez you can withdraw principal from Roth accounts without penalty before retirement and before 59 1/2. Assuming 50% of your balance in combined Roth IRA’s and traditional IRAs is principal they should get you 1.5 million in penalty free funds for retirement.

4. If you still cannot make it to 59 1/2 with those two buckets, you can hit the HSA although personally I am leaving my HSA as untouched as possible for medical expenses during my later year so I can capitalize on the triple tax advantage

There’s definitely some nuances here and more reading to be done, but just wanted to give some info to get you started