See Which IRS-Allowed RMD Strategies May Be Worth Discussing — Get Matched With an Advisor

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Disclaimer: The phrase ‘Little Known RMD Strategies’ refers to IRS-allowed distribution and planning options (such as Qualified Charitable Distributions, Roth conversions, and Qualified Longevity Annuity Contracts) that are often underutilized by retirees. For example, research cited in the Journal of Financial Planning noted that more than half of Fidelity IRA clients were taking only their required minimum distributions without employing additional strategies (Fortuna, 2019). These approaches are recognized under IRS rules but may not be appropriate for every investor. Individual circumstances vary, and tax outcomes depend on factors such as income, age, and account type. Consult a qualified financial or tax advisor before making any decisions regarding retirement accounts or distributions.”

Every investor’s situation is unique. Strategies that may be effective for one person, such as charitable giving, Roth conversions, or multi-year withdrawal planning, may not be suitable for another. Tax laws and retirement rules can change, and the impact of any strategy depends on your income, assets, and long-term goals. Before making decisions about your retirement accounts or Required Minimum Distributions (RMDs), it is important to speak with a qualified financial advisor who can evaluate your individual circumstances.

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