RMD Deadlines, Penalties & Strategies: Full 2025 Breakdown | According to Plan скачать в хорошем качестве

RMD Deadlines, Penalties & Strategies: Full 2025 Breakdown | According to Plan

In this episode of Amplified Wealth: According to Plan, Kate and Tom get “back to basics” with a topic that impacts millions of retirees: Required Minimum Distributions (RMDs). Whether you're approaching RMD age or just want to be prepared, we cover: • The latest Secure Act 2.0 updates • How to calculate your RMD • Aggregation rules for multiple IRAs, 401(k)s, and inherited accounts • When it might make sense to delay (or not) • Charitable giving strategies like QCDs • Tax impact, planning tips, and penalty pitfalls'' Timestamp Topic 00:00 Intro – RMDs and Why They Matter 03:48 What Is a Required Minimum Distribution? 07:25 Secure Act 1.0 and 2.0 9:27 RMD - What's My Age Again? 12:15 RBD - Required Beginning Date 16:50 How RMDs Are Calculated (Divisors, Tables, and More) 24:14 Penalties for Missing Your RMD 26:00 Aggregation Rules – IRAs, 401(k)s, Inherited Accounts 33:08 Considerations 49:50 Qualified Charitable Distributions (QCDs) 42:42 Taking RMDs In-Kind 47:24 Timing & Coordination with Roth Conversions 51:00 Final Thoughts and Key Takeaways