The One Big Beautiful Bill left RMD rules untouched, meaning retirees with $1.5M traditional accounts still face a forced $56,604 first withdrawal at 73.
Roth conversions in your 60s, Qualified Charitable Distributions up to $111,000, and moving to a no-income-tax state are the three strategies that actually reduce RMD tax exposure.
Waiting until 72 to start Roth conversions is the costliest mistake, because conversions then stack on top of mandatory RMDs instead of replacing them.
A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality. Read more here.
Many retirees spent 2025 hoping the One Big Beautiful Bill would shrink or scrap Required Minimum Distributions. The law rewrote brackets, made the higher standard deduction permanent, and added a new senior bonus deduction, but RMD rules sit exactly where SECURE 2.0 left them. For someone with a seven-figure traditional 401(k), that omission is the single most expensive line item in the entire bill.
Roth conversions in your 60s, Qualified Charitable Distributions up to $111,000, and moving to a no-income-tax state are the three strategies that actually reduce RMD tax exposure.
Waiting until 72 to start Roth conversions is the costliest mistake, because conversions then stack on top of mandatory RMDs instead of replacing them.
A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality. Read more here.
Many retirees spent 2025 hoping the One Big Beautiful Bill would shrink or scrap Required Minimum Distributions. The law rewrote brackets, made the higher standard deduction permanent, and added a new senior bonus deduction, but RMD rules sit exactly where SECURE 2.0 left them. For someone with a seven-figure traditional 401(k), that omission is the single most expensive line item in the entire bill.
3 months ago
