Required Minimum Distributions

Are You Ready for Your RMDs?

Turning 73 is a milestone—but it also comes with new financial obligations. Required Minimum Distributions aren’t optional, and getting them wrong can be costly. Are you prepared?

• How much do you have to withdraw each year? What happens if you miss your RMD deadline?

• Can you aggregate RMDs across accounts—or do they need to come from each one?

• How do RMDs affect your taxable income—and your Medicare premiums?

• Can Qualified Charitable Distributions (QCDs) offset your RMD?

• What’s the best way to coordinate RMDs with your broader income plan?

• Are there strategies to reduce the impact of RMDs over time?

The rules are complex—and the consequences of mistakes are real. But the right plan can turn a tax obligation into a smart retirement strategy.

RMDs don’t have to be overwhelming. Let’s sit down and make sure you have a plan that works for you.