Retirement · Video
Reduce or Eliminate RMD Taxes
With Colin Meeks, CFP® · Published October 15, 2025
What this one covers
Required minimum distributions are the tax bill you scheduled decades ago and forgot about. Colin walks through the moves that soften them: Roth conversions during low-income years, qualified charitable distributions, and starting withdrawals before the government makes you.
The window matters more than the tactic. Most RMD problems are solved in your sixties, not your seventies.
Takeaways
- RMDs start at 73 (75 if you were born in 1960 or later); the planning starts years earlier
- The gap years between retiring and RMDs are prime Roth conversion territory
- Charitably inclined? QCDs route IRA money to charity without touching your taxable income
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