Are you worried that required minimum distributions (RMDs) could force unnecessary taxable income and shrink your hard-earned retirement savings? In this episode of Retirement Answers, Jacob Duke explains when RMDs become a real problem, offers a quick rule of thumb based on how much you hold in tax-deferred accounts, and walks through five ways to reduce future RMDs.

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Email: [email protected]
Website: https://www.rivertreewealth.com
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Jacob Duke, CFP, MBA is the founder of Rivertree Wealth and the host of the Retirement Answers podcast.

DISCLAIMER: This should not be taken as tax, legal, or investment advice. All content is for educational purposes only.

00:00 Retirement Rule Frustrations

00:51 When RMDs Become a Problem

03:10 Gap Years Tax Planning

03:33 Asset Location Strategy

08:40 Roth Conversions Explained

13:32 Delay Social Security Benefits

18:40 QCDs for Charitable Giving

21:22 Spend More Before RMDs

25:40 Wrap Up