Topic Archive
Required minimum distributions are a tax-planning problem, not just a compliance chore. These articles focus on how RMDs affect retirement income, Roth conversions, inherited IRAs, and late-retirement tax spikes.
A lot of retirees treat RMDs like an administrative nuisance. They are not. A badly timed RMD can stack on top of Social Security, pensions, capital gains, and Roth conversions to create a surprisingly expensive tax year.
Read articleYou built a $2M traditional IRA. When you die, your heirs don't get $2M — they get a 10-year countdown to distribute a fully taxable account, often at the worst possible time in their earning lives. Most retirement software never shows you this.
Read articleYou spent 30 years deferring taxes into traditional IRAs. At 73, the IRS forces you to withdraw money you don't need, pushing you into higher brackets and triggering Medicare surcharges. There's a better way.
Read articleTest withdrawals, Roth conversions, Social Security, and tax changes in one year-by-year retirement plan.