Required Minimum Distributions (RMDs) can impact taxes, Medicare premiums, and cash-flow in retirement. In this episode, Ken Moraif and Jeremy Thornton explain when RMDs start (age rules), how the penalties work, and practical ways retirees plan ahead—like tax-bracket management, Roth conversions, qualified charitable distributions (QCDs), spousal planning, and timing tactics that help you stay organized and invested.

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