required minimum distributions (RMDs)
News, insights and expert analysis on required minimum distributions rmds from the team at Kiplinger.
Latest
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The 'Florida Flip' for Roth Conversions and Lower RMDsStaring down a massive RMD tax bill at age 75? Relocating to a zero-tax state for a few years could slash your Roth conversion costs. Just beware of the pitfalls.
By Maurie Backman
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New RMD Rules: Starting Age, Penalties, Roth 401(k)s, and MoreRMDs The SECURE 2.0 Act made major changes to rules for required minimum distributions (RMDs) — are you up to speed?
By Rocky Mengle
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Here Are the Huge RMDs the IRS Makes You Take When You Have $1 Million SavedIf you have $1 million saved for retirement, your RMDs will change every year. Find out exactly how much you must withdraw at ages 73, 75, 80 and 85.
By Donna Fuscaldo
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5 Costly RMD Mistakes That Will Put a Dent in Your SavingsLike your golden years, RMDs creep up on you quicker than you think. Planning ahead can prevent you (and your heirs) getting hit with penalties and extra taxes.
By Larry Martin, CFP®, ChFC®, RICP®
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The 'Take That Uncle Sam' Rule of Retirement SpendingHere's how to reduce your tax bill when you withdraw money in retirement.
By Donna Fuscaldo
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Here are the Huge RMDs the IRS Makes You Take When You Have $5 Million SavedIf you have $5 million saved for retirement, your RMDs will change every year. Find out exactly how much you must withdraw at ages 73, 75, 80 and 85.
By Donna Fuscaldo
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3 Ways to Avoid Falling Into a Tax Trap in RetirementYou may think you'll pay less in taxes once you retire, but taxable withdrawals and Social Security can keep your tax bill as high as it was during your career.
By Gary Knode, CF2
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I Want to Pay Off Our Grandson's $45K Student Loan DebtWe're 73, with $2.1 million and $4k a month in Social Security. My husband says we can't afford to help our grandson. Who's right?
By Maurie Backman
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Has Your Dream Nest Egg Become a Tax Nightmare? What to DoRetirement savers with big bucks in traditional IRAs and pretax 401(k)s could face huge tax bills when their RMDs kick in. Here's a potential solution.
By Martin Baker, CFP®, CEPA®
