Required Minimum Distributions (RMDs) are one of the most misunderstood—and most important—rules in retirement planning. In this episode, Ryan and Zane break down exactly how RMDs work, when they begin, and how they impact your taxes, Medicare premiums, and long-term financial strategy.

You’ll learn the essentials:

• When RMDs start under current law

• How the IRS calculates your annual withdrawal

• Common mistakes people make (and how to avoid them)

• How large RMDs can push you into higher tax brackets, IRMAA surcharges, and increased Social Security taxation

• How Roth conversions, QCDs, and strategic planning can help you stay in control

Ryan and Zane also explain how to turn RMDs into an opportunity—whether that’s funding your lifestyle, supporting charitable goals, or building a more tax-efficient retirement income plan.

If you want clarity on one of retirement’s most important rules, this episode gives you the roadmap.

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