we are retired with a 2400/month pension with no debt as house and cars totally paid off. we are considering taking tradtional IRA distributions enough to keep us in the 15% tax bracket after standard deduction...would like thoughts and opinions... Thanks

you will continue to pay tax in retirement on your income each year as you receive it, much like you did before you were retired; The amount of taxes you pay in retirement will depend on where your income comes from. The easiest way to determine the likelihood that your pension income or ira distributions will be taxed is to use a simple guideline: if it went in before tax, when you withdraw it, it will be taxed. Your pensions and ira contributions generally reduce your taxable income during your working years If you never made any nondeductible contributions to any of your IRA account and alsoMost pensions accounts were funded with pre-tax income which means the entire amount of your annual pension income would be included in your taxable income each year.. So, in common sense, any amount distributed to you from a qualified pension/retirement plan will be taxable to you in the year distributed., and the distributions are considered ordinary income. When receiving your pension distribution as an annuity or other periodic payment, you may choose to have income tax withheld from your payment. To have the proper amount withheld, you should provide the payer with a Form W4-P. If you do not submit this form, the payer must withhold based on specifications form the IRS. These tend to withhold more than you may need to have withheld. When you receive your pension distribution as a LUMP SUM distribution, the payer must automatically withhold 20 percent of the distribution unless you are eligible for a tax-free rollover.
You may pay less taxes in retirement, you may not. When planning for retirement income, don't forget to calculate how much of that income may need to be allocated to pay income tax