Grandfather and grandson looking at iPadAs you progress through retirement, which investments you should access first is a decision that will require a clear view of your finances and your goals. It can be a tricky decision to start tapping into your 401(k) or Roth IRA depending on your strategy and desired outcome. Your estate planning should take into account if you want to leave money in an account to your heirs and how much. Find out more about what information you should consider and how it affects this decision.