RMDs are mandatory annual withdrawals from traditional retirement accounts (IRA, 401(k), 403(b)) that begin at age 73 (rising to 75 in 2033). The IRS Uniform Lifetime Table determines the minimum amount each year.
RMDs are mandatory annual withdrawals from traditional retirement accounts (IRA, 401(k), 403(b)) that begin at age 73 (rising to 75 in 2033). The IRS Uniform Lifetime Table determines the minimum amount each year.
RMDs are the government's way of collecting the taxes you deferred during your working years. They can push you into higher tax brackets, trigger IRMAA surcharges on Medicare, and make more of your Social Security taxable — all in the same year.
RMDs are not a ceiling — they're a floor. Planning Roth conversions between ages 60–72 can dramatically reduce future RMDs and save more in Medicare premiums than the conversion tax costs.
Start with the free Retirement Readiness Score to see where you stand, then talk to a fiduciary if you want a second set of eyes. No pitch, no pressure.
Take the free assessment