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 Best Way to Defer RMDs (and Their Tax Bills): QLACsConcerned about RMDs? Worried about outliving your retirement savings? A qualified longevity annuity contract defers some RMDs and guarantees lifetime income.
By Ken Nuss
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These Are the Key Decisions You Need to Make for RetirementThese important issues are all connected and can affect your taxes, likely setting them at a certain level for the rest of your retirement.
By Erik Bowman, RICP, NSSA
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How to Optimize Your RMDs in RetirementNo matter where you are in your financial journey, many options are available, including eliminating RMDs altogether through Roth conversions.
By Isaac Morris
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Do You Know How to Create a Reliable Retirement Paycheck?Here are some do’s and don’ts (plus a never) for when it comes time to create your retirement income plan.
By Thomas Diorio
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What to Do When You Have More Retirement Income Than You NeedThese three options can help you allocate extra income in ways that don’t push you into a higher tax bracket or trigger extra taxes.
By Stephen B. Dunbar III, JD, CLU
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Retirement Tips for 2024 From Five Retirement ExpertsFrom Rothifying IRAs to navigating changing tax laws, these fiduciary advisers share the recommendations they’re making to their clients this year.
By Pam Krueger
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Do You Have at Least $1 Million in Tax-Deferred Investments?If the answer is yes, then this article is for you. Find out how you can keep more of that $1 million for yourself and away from Uncle Sam.
By Joe F. Schmitz Jr., CFP®, ChFC®, CKA®
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Three Ways You Can Cut the Tax Stress of RMDsYou have to take them, but there are strategies you can apply to prevent required minimum distributions (RMDs) from stressing you out in retirement.
By Robert A. Guy, RICP®
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Three Ways You Can Take Advantage of Extended RMD AgesThe extra time, thanks to the SECURE 2.0 Act, can be used to plan Roth conversions, consider tax breaks like qualified charitable distributions (QCDs) and reduce taxable accounts sooner at lower tax rates.
By Chris Heerlein, Investment Adviser Representative
