Required minimum distributions aren't just about taking money out... they come with IRS rules that can affect your taxes, your retirement strategy, and even your charitable giving. In this video, Peter with Richon Planning and Erin Kennedy break down the RMD rules that surprise retirees most, including: Each retirement account has its own RMD Why RMDs can't go directly into a Roth IRA How RMDs can be used for living expenses or reinvested in a taxable account Using RMDs to support your favorite charities Why RMDs are generally taxable—and how to plan ahead Understanding these basics can help you avoid penalties, manage taxes more effectively, and make the most of your retirement income. If you'd like to talk about strategic tax planning with Peter, please call (919) 300-5886 or visit www.RichonPlanning.com