Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth

Required Minimum Distributions (RMDs) are not just mandatory withdrawals — they are forced taxable income that can quietly reshape your retirement tax picture.

Higher income from RMDs can trigger increased marginal tax rates, IRMAA surcharges, greater Social Security taxation, and long-term compounding tax consequences — especially for married couples navigating the widow/widower tax penalty.

In this episode, Tyler Emrick, CFA®, CFP®, breaks down how to think about RMD tax planning as a long-term process — not just a once-a-year withdrawal decision — including:

• Why RMD planning is really tax bracket management over time
• How Roth conversions can shrink future Required Minimum Distributions
• Smart timing and withholding strategies that create flexibility
• How Qualified Charitable Distributions (QCDs) reduce taxable income
• The role of income targeting and IRMAA awareness
• What types of assets to convert — and why it matters

Have questions?

Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals.

http://bit.ly/calltruewealth

 

Our website:  https://www.truewealthdesign.com/ 

Phone: 855.TWD.PLAN

Contact our team: https://www.truewealthdesign.com/contact-a-financial-advisor/ 

Check out our other no-cost financial resources here: https://www.truewealthdesign.com/financial-resources/ 

Watch the show now on YouTube: https://www.youtube.com/channel/UCjENBHOti-IEJFqeydZm_Fg?sub_confirmation=1