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Disclaimer: The phrase "Little Known RMD Strategies" refers to IRS-allowed distribution and planning options — such as Qualified Charitable Distributions (QCDs), Roth conversions, and Qualified Longevity Annuity Contracts (QLACs) — that are often underutilized by retirees. Industry surveys support this: in an Ameriprise survey of more than 1,000 retirees with at least $100,000 in investable assets, 68% were taking only their Required Minimum Distributions, and reporting by Nick Fortuna in Barron's (December 12, 2019) similarly found that more than half of the clients who funded traditional IRAs with Fidelity were taking only their RMDs — that is, the required minimum, rather than adopting a broader withdrawal or planning strategy. These figures describe how much retirees withdraw, not the adoption of the specific options named above, which are provided as examples of the broader strategies available. The figures reflect data reported as of those periods and may not represent current conditions. The strategies referenced 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.

Sources: Lee Barney, "Most Retirees Only Withdrawing Required Minimum Distribution," PlanAdviser (June 21, 2018); and Nick Fortuna, "4 Ways to Manage Your Required Minimum Distributions When You Don't Need the Money," Barron's (December 12, 2019) — both as cited in Stephen J. Larson, "Required Minimum Distributions as a Retirement Strategy," Journal of Financial Planning (January 2022), available at https://www.financialplanningassociation.org/article/journal/JAN22-required-minimum-distributions-retirement-strategy-OPEN

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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