Just because your broker may be a frog doesn't mean the independent advisor is a prince, however. If you are willing to roll the dice on a future as a bag lady, you might benefit from an expensive specialized program. Your investments are probably part of a 403b plan. How much you distribute depends on what expectancy option you choose. Therefore the distributions will be relatively small, about 5 percent.
ANY income distributed is taxable and there is no way to avoid it.
You could reinvest this income, after you pay taxes, in a NEW tax deferred annuity. An alternative would be to invest it in a low turnover mutual fund that invested in common stocks. This would work to defer most of your taxable income. The second distinction is that most 403b money is invested in fixed or variable insurance annuities and the insurance company may write you suggesting that you annuitize what you have accumulated. This gives you a lifetime income but you lose control of the principal.