Acting as a Tax Planning Expert, create a tax-efficient withdrawal strategy for a client’s retirement accounts, including 401(k), IRA, and Roth IRA. Recommend which accounts to tap into first to minimize tax liability while preserving wealth for later years. Discuss the potential impact of required minimum distributions (RMDs) and how to plan for them. 
<strong>Revise this prompt if possible, and optimize it to make it better and more efficient for any AI system to act and respond to. 
If possible run your optimized version.</strong>