Avoiding RMD Surprises in Retirement: What You Should Know Now скачать в хорошем качестве

Avoiding RMD Surprises in Retirement: What You Should Know Now

Connect with us: https://www.5stonefinancial.com/contact Required minimum distributions (RMDs) are one of the most misunderstood parts of retirement planning, especially for people in their 50s and 60s who think they’re still years away from dealing with them. But the truth is, many of the biggest RMD decisions are made long before your first required withdrawal ever begins. In this video, we walk through how RMDs actually work, how to estimate what your future RMD might look like, and why they can create ripple effects in retirement - including higher tax brackets and increased Medicare premiums. Using a real-world example, we explore how someone with a traditional IRA, pension income, and Social Security can experience “income stacking” once RMDs begin — even if they’re living a modest lifestyle and not overspending. We also cover: • How RMDs are calculated using IRS life expectancy tables • A simple way to estimate future RMD income • Why RMDs can matter years before age 73 or 75 • Who RMDs impact the most (and who they may matter less for) • How early planning can create more flexibility later • Why Roth conversions often come up in RMD planning conversations If you’re approaching retirement — or already retired — understanding how required minimum distributions fit into your long-term income picture can help you make more informed decisions and avoid surprises later on. 00:00 RMDs: The Hidden Retirement Tax Surprise (Intro) 00:36 RMD Basics: What They Are & When They Start 01:11 Calculating Your First RMD: IRS Divisors Explained 02:02 Projecting Future RMDs: How Growth Can Double the Pain 03:08 The Ripple Effects: Higher Brackets & Medicare IRMAA 05:01 Who Gets Hit Hardest (and Who Doesn't) by RMDs 06:15 Planning Ahead: Roth Conversions & Pre-RMD Control 06:51 Key Takeaway Because in retirement planning, the years before the rules start often matter the most. Disclosure: This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. #retirementplanning #rmds #retirementincome