For most Americans, turning 73 used to be a milestone of celebration and reflection. But for retirees with substantial savings in tax-deferred accounts like IRAs and 401(k)s, that birthday now comes with a less-celebrated obligation: Required Minimum Distributions, or RMDs.
The IRS mandates that, starting at age 73, you must begin withdrawing a portion of your retirement savings every year—whether you need the income or not. And yes, those distributions are fully taxable.
But here’s the good news: there are legal, strategic ways to avoid or significantly reduce your RMDs. And doing so could save you thousands in taxes, help you pass more wealth to loved ones, and give you more control over your financial future.
In this guide, we’ll explore powerful strategies to avoid RMDs altogether—or at least minimize their impact. We’ll break them down in plain English, and walk you through real-life case studies so you can see exactly how these strategies work in action.
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